PHApp Technical Overview: Financial Calculator Suite
This application provides a comprehensive suite of financial tools for Android, covering loan, mortgage, and interest-based calculations.Technical Specifications
| Attribute | Detail |
|---|---|
| Android Version | 6.0+ |
| Architecture | Universal |
| File Size | 5.4 MB |
| SHA-256 | 9fa426f20c5a0bf3416202978e19b23cfa3fcc98ab48c92583374a22d20fa128 |
| Design Language | Material Design |
| UI Features | Tabbed interface, Phone & Tablet optimization, Basic/Advanced modes |
Core Calculators
1. Loan & Mortgage Calculator
- Reverse Calculations: Determine Loan Amount, Interest Rate, Term, or Monthly Repayment based on three inputs.
- Pre-payments: Calculate interest savings and term reduction from extra repayments.
- Interest Rate Volatility: Model the impact of rate changes on repayments and terms.
- Offset Account: Calculate interest savings via loan offset functionality.
- Repayment Holiday: Support for interest-only period calculations.
- Expense Tracking: Include fees, insurance, taxes, and maintenance in calculations.
- Data Persistence: Capability to save calculation profiles.
2. Compound Interest (Future Value) Calculator
| Feature | Details |
|---|---|
| Calculation Types | Simple and Compound interest; lump sum and/or regular transactions. |
| Transaction Logic | Supports positive and negative amounts (deposits/withdrawals). |
| Frequency Intervals | Daily, Weekly, Fortnightly, Monthly, Bi-Monthly, Quarterly, Thrice-Yearly, Half-Yearly, Yearly. |
| Dynamic Scaling | Increase/decrease regular transactions by a fixed amount or percentage annually. |
| Compounding Options | Flexible compounding frequencies (Daily to Yearly). |
| Reporting | Tabular yearly/monthly growth reports; visual graphs and charts. |
| Output Data | Maturity Amount, Total Amount Deposited, Total Interest Earned. |
Recent Updates & Version History
- OS Optimization: Upgraded system components for latest Android versions.
- Bug Fixes: Resolved minor stability issues and implemented performance improvements.
- Lifecycle: The application has reached an 11-year development milestone as of July 2025.
Premium & Mod Features
- Support for negative Interest Rate (%) calculation for loss scenarios.
- Premium version unlocked.
- Optimized system performance.