# Private finance calculators & statement tools — no upload > Loan, mortgage, compound-interest and tax calculators plus bank-statement import and budgeting — the math runs on your device. Not financial advice. Finance Desk runs its calculators and statement parsing locally, so your numbers and bank files stay on your device. These tools are informational and not financial advice. ## Tools in this workspace - [Loan & mortgage](https://www.safepaper.app/finance/loan-amortization): Compute monthly payments and a full amortization schedule, with extra-payment payoff — all in your browser. - [Compound interest](https://www.safepaper.app/finance/compound-interest): Project growth of savings with recurring contributions, or solve for the deposit needed to hit a goal. - [Retirement / FIRE](https://www.safepaper.app/finance/retirement-fire): Estimate your FIRE number and years to financial independence from savings rate and returns. - [DCA simulator](https://www.safepaper.app/finance/dca): Model periodic investing at an assumed return and see contributions vs. projected value. - [APR ⇄ APY](https://www.safepaper.app/finance/apr-apy): Convert between nominal APR and effective APY for any compounding frequency. - [Debt payoff](https://www.safepaper.app/finance/debt-payoff): Compare snowball and avalanche payoff strategies across multiple debts locally. - [Inflation & PV](https://www.safepaper.app/finance/inflation): See how inflation erodes purchasing power and compute present or future value. - [ROI & break-even](https://www.safepaper.app/finance/roi): Compute return on investment, annualized ROI, and break-even units on your device. - [Currency converter](https://www.safepaper.app/finance/currency-converter): Convert between currencies with rates you enter — no network calls, fully offline. - [Import & analyze](https://www.safepaper.app/finance/statement-import): Import CSV/Excel, OFX, QIF, CAMT.053, or MT940 statements, categorize, dedupe, and chart spending — locally. - [Budget builder](https://www.safepaper.app/finance/budget-builder): Build an envelope / zero-based budget and compare planned vs. actual spending. - [Cash-flow forecast](https://www.safepaper.app/finance/cash-flow): Forecast your running balance from recurring income and bills over the coming months. - [Net worth](https://www.safepaper.app/finance/net-worth): Track assets and liabilities to compute net worth, saved on-device. - [Subscriptions](https://www.safepaper.app/finance/subscription-tracker): List recurring subscriptions and see normalized monthly and annual totals. - [Rebalancing](https://www.safepaper.app/finance/portfolio-rebalance): Compare target vs. current allocation and get buy/sell amounts to rebalance. - [CAGR & XIRR](https://www.safepaper.app/finance/returns-xirr): Compute CAGR and money-weighted XIRR from irregular cash flows locally. - [Dividends](https://www.safepaper.app/finance/dividend-tracker): Track holdings, yields, and projected annual dividend income. - [Position sizing](https://www.safepaper.app/finance/position-size): Size a position from account risk %, stop distance, and reward-to-risk. - [Income tax](https://www.safepaper.app/finance/income-tax): Estimate income tax from dated, per-country brackets. An estimate, not advice. - [Capital gains](https://www.safepaper.app/finance/capital-gains): Estimate short- vs. long-term capital gains from buy/sell lots. An estimate, not advice. - [VAT / GST / sales tax](https://www.safepaper.app/finance/sales-tax): Add or extract tax from a gross or net amount using your region's rate. - [Invoice / receipt](https://www.safepaper.app/finance/invoice-generator): Build a professional invoice and export a PDF — generated entirely in your browser. - [Tax brackets](https://www.safepaper.app/finance/tax-brackets): Browse indicative income-tax brackets by region and year. - [Contribution limits](https://www.safepaper.app/finance/contribution-limits): Reference contribution limits for retirement and tax-advantaged accounts by region. - [Sales-tax rates](https://www.safepaper.app/finance/sales-tax-rates): Reference indicative VAT, GST, and sales-tax rates by region. - [Mileage rates](https://www.safepaper.app/finance/mileage-rates): Reference indicative business mileage reimbursement rates by region. - [Currency codes](https://www.safepaper.app/finance/currency-codes): Search ISO 4217 currency codes, symbols, and minor units. - [Statement redactor](https://www.safepaper.app/finance/statement-redactor): Mask account numbers and IDs in statements before sharing — detection runs locally. - [Encrypted export](https://www.safepaper.app/finance/encrypted-ledger): Encrypt a finance JSON export with a passphrase (AES-256-GCM) and decrypt it later. - [Finance data room](https://www.safepaper.app/finance/finance-data-room): Bundle statements and reports into a single offline, passphrase-locked HTML data room. - [Live FX rates](https://www.safepaper.app/finance/live-rates): Optionally fetch exchange rates from an endpoint you choose (subject to CORS). - [Live quotes](https://www.safepaper.app/finance/live-quotes): Optionally fetch a quote from an endpoint you supply (subject to CORS). Each tool also has a Markdown mirror at its URL plus `.md` (for example https://www.safepaper.app/finance/loan-amortization.md). --- Canonical HTML: https://www.safepaper.app/finance Markdown: https://www.safepaper.app/finance.md There is no upload endpoint — your files are processed in this browser tab. Open your network tab and check.