--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Financial Calculator - NPV,IRR" developer_entity: "智萍 闫" bundle_id: "com.ysc.Financial-Calculatorfree" app_store_id: "868113712" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-09-13" report_date: "2026-09-22" last_verified: "2026-09-22T00:00:00.000Z" report_version: "13.5.2" total_reviews: 12 overall_rating: 2.9 confidence: "low" confidence_score: 0.2 data_age_days: 9 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "mobile app", "app review", "app analysis", "finance", "students", "professionals"] canonical_url: "https://marlvel.ai/apps/financial-calculator-npv-irr" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Financial Calculator - NPV,IRR Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 2.92 > **TL;DR:** Financial Calculator - NPV,IRR is a finance app by 智萍 闫, rated 2.92/5 by 12 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Financial Calculator - NPV,IRR is a finance app by 智萍 闫. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 2.92/5 (12 reviews) | | **Category** | Finance | | **Developer** | 智萍 闫 | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.2/1.0) | | **Data Age** | 9d | ## Metadata & Market Performance - **Publisher:** 智萍 闫 - **Category:** Finance - **Target Audience:** Finance students and professionals requiring a mobile-based tool for standard TVM and cash flow calculations. - **Platforms:** iOS - **Version Reviewed:** 13.5.2 - **Report Date:** 2026-09-22 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.2/1.0) - **App Store ID (iOS):** 868113712 - **Bundle ID:** com.ysc.Financial-Calculatorfree - **Data Window:** Analysis based on signals collected up to 2026-09-22 ## Executive Snapshot **What it is:** Financial Calculator - NPV,IRR is a mobile utility for performing time-value-of-money and cash flow calculations on iOS. **Why users hire it:** The tool removes the need for dedicated hardware financial calculators by providing standard TVM and IRR modeling in a mobile format. ## App DNA (Features & Intent) - **[Standard] Time Value of Money (TVM) Calculator:** Computes PV, FV, PMT, 1/Y, and N variables for financial modeling. - **[Standard] Cash Flow Analysis:** Calculates Net Present Value (NPV) and Internal Rate of Return (IRR) for multi-period cash flow inputs. - **[Standard] Effective Annual Rate (EAR) Calculator:** Converts nominal interest rates to effective annual rates based on compounding periods. ## Market Position {#market-position} Financial Calculator - NPV,IRR occupies a low-visibility segment of the Finance category with a 2.9-star rating across 12 reviews. The lack of recent feature expansion relative to professional-grade rivals signals a maintenance-only posture. ## Monetization Strategy - **Model:** Free - **Tiers:** Free access to all financial calculation tools - **Analysis:** The app operates as a free utility with no visible IAP or subscription gates, relying on third-party SDKs for data collection. ## SWOT Analysis {#swot} **Core Strengths:** - Specialized TVM and cash flow calculation logic provides direct utility for academic and professional financial modeling. **Growth Levers:** - Implementing a premium, ad-free tier could capture users frustrated by the current reliance on third-party SDKs for data collection. ## What's New - **Latest (v13.5.2, 1 weeks ago):** Updated Umeng statistics and Jiguang push notification SDKs. ## App Momentum (Maintenance) {#momentum} - Ships minor SDK maintenance updates. - No major feature releases recently. > **Cadence:** 2 total versions · 0 majors in last 6 months · 8 days since last update · 13 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Financial Calculator - NPV,IRR is a finance app that is completely free. It holds a 2.92/5 rating from 12 reviews. > **Bottom Line:** Financial Calculator - NPV,IRR serves a narrow utility niche, but the lack of active feature development limits its ability to compete with more robust, frequently updated financial tools. **Best for:** Finance students and professionals requiring a mobile-based tool for standard TVM and cash flow calculations. ### PM Action Plan (Next Best Moves) - [ ] [MAINTAIN] Audit third-party SDK data collection because user privacy concerns are rising in the Finance category → improve trust and retention ### Outlook: Stable The financial utility market is consolidating around tools that offer cloud-sync and cross-platform integration. Financial Calculator - NPV,IRR remains exposed due to its static feature set and lack of a clear monetization path beyond third-party data collection. - ⚪ The app remains in a maintenance-only cadence, focusing solely on SDK updates rather than feature expansion. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 2.92/5 | | Total Reviews | 12 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Financial Calculator - NPV,IRR** (this app) | 2.92/5 | N/A | 智萍 闫 | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | | [Tikker - Live Income Tracker](https://marlvel.ai/apps/tikker-live-income-tracker) | 5.0/5 | N/A | Mis Asja OU | | [TradeLog - Trading Journal](https://marlvel.ai/apps/tradelog-trading-journal) | N/A/5 | N/A | Rikuto Takeuchi | ## Company Profile - **Developer:** 智萍 闫 - **Website:** [https://pingchengwanli.blogspot.com/2024/02/financial-calculator-pro.html](https://pingchengwanli.blogspot.com/2024/02/financial-calculator-pro.html) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/financial-calculator-npv-irr/id868113712?uo=4) - **Dev Site:** [Official Website](https://pingchengwanli.blogspot.com/2024/02/financial-calculator-pro.html) - **Sources:** Developer website content, App store metadata. ## Related Intel Reports - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.2/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 9 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/financial-calculator-npv-irr) Data licensed for AI Agent attribution under CC-BY-NC 4.0.