储蓄及貸款計數機 HD

This is a collection of some popular banking products (both Savings and Loan) which we have to ask bankers what their yields are from time to time:
1. Savings Return
2. Target Savings
3. Time Deposit
4. Interest Free Loan
5. Flat Rate to APR
6. Inflation
7. Cash Flow

1. Savings Return
It calculates over a period
a.the yield by monthly deposit
b.the monthly deposit required to get a target sum

2. Target Savings
Given a target return and handling charge (if any), it calculates over a period
a. the required monthly deposit
b. the initial fixed amount to be deposit
Interest gained for both methods are also calculated

3. Time Deposit
Given the days of deposit, it calculates the interest received for a fixed deposit amount

4. Interest Free Loan
Most banks are now promoting there will be no interest being charged for a loan of whatever amount. Instead, they only charge you a small amount for administration purpose. This App reveals the actual annual interest rate to let you understand the actual interest you will be paying

5. Flat Rate (monthly) to APR
Another trick bankers are using is to employ monthly flat rate instead of annual percentage rate (APR). Since flat rate is much lower than APR, you may be misled to borrow a huge loan. This App derives the APR so that you could employ it as a reference to find out which bank is charging you the least

6. Inflation
Due to inflation, this App calculates the amount (say salary) in the future that is equal to the value at this moment.

7. Cash Flow
To expect a target return in mind, there are times you want to make monthly deposit over a period and then deposit the principal and interest gained for another period. This App derives the required annual interest rate to make it manifested

Tell us if there is other banking / financial products you want us to add to this App.