Financial Calculator Pro

**Quick judgement**: Solid, focused financial calculator for basic time‑value‑of‑money and pricing tasks. Well-suited for agents and users needing straightforward FV/PV, discount/markup, compound interest, and comparison tables, but not a full financial analytics or portfolio engine. **What it does well** - Implements common financial primitives (future value, present value, compound interest) with configurable compounding frequency. - Adds practical business tools: discount and markup calculators with useful outputs (savings, margins, etc.). - Provides comparison tables (FV and discount) that are particularly useful for scenario analysis and rate/discount exploration. - Offers three access modes—CLI, web UI (Flask), and Python API—making integration into scripts, GUIs, or agent workflows straightforward. - Documentation is concrete and example-driven, lowering the risk of misuse for the covered operations. **Key limitations / risks** - Scope is limited to single‑cash‑flow style calculations and simple tables; it does not handle cash‑flow series, IRR/NPV, amortization schedules, taxes, fees, or regulatory constraints. - Different rate formats across interfaces (decimal in CLI/API vs percentage in web UI) can cause user or agent errors if not handled carefully. - No explicit mention of robust validation, unit tests, or edge-case handling (e.g., negative rates, zero periods, extreme compounding frequencies), so results should be sanity-checked in high-stakes contexts. - Not a substitute for professional financial software or advice; misuse could lead to incorrect investment or pricing decisions if agents assume full coverage of financial nuances. **Recommended scenarios** - Agent workflows that need quick, transparent FV/PV or compound interest calculations with standard compounding assumptions. - Pricing and promotion planning: determining discounts, markups, and comparing multiple discount levels for the same product or service. - Generating simple comparison tables of investment growth across rates and horizons for reports, dashboards, or exploratory analysis. - Educational or training tools where the underlying formulas and assumptions are relatively simple and explainable. - Prototyping financial features in larger systems, with the understanding that more advanced modeling may require additional libraries or custom logic.