ZestVault: Finance Calculator

Gupta Coder

Contains ads

About this app

IMPORTANT DISCLAIMER:
ZestVault is strictly an offline mathematical calculation and educational estimation tool. ZestVault is NOT a bank, direct lender, loan facilitator, financial institution, or financial advisor. This app does NOT offer, issue, broker, arrange, or facilitate personal loans, mortgages, credit lines, banking services, or any real-money transactions. All outputs are mathematical estimates based solely on user-entered numbers for informational and educational planning purposes only.

ABOUT ZESTVAULT: FINANCE CALCULATOR
ZestVault is an all-in-one offline financial calculator suite designed to estimate and compare mathematical scenarios across housing, real estate, debt repayment strategies, retirement compounding, and vehicle costs. Every calculation runs 100% locally on your device with no login and no internet required.

12 BUILT-IN FINANCIAL CALCULATORS:

1. Mortgage PITI Calculator
Estimate monthly principal and interest with property taxes, home insurance, PMI, HOA dues, and a full month-by-month amortization schedule.

2. Extra & Bi-Weekly Payoff Estimator
See how extra monthly payments, yearly lump sums, or bi-weekly schedules reduce total interest and loan payoff time.

3. Refinance Break-Even Calculator
Compare your current loan against a new interest rate and closing costs to calculate monthly savings and break-even months.

4. Rent vs. Buy Estimator
Compare the multi-year net cost of renting versus buying a home based on appreciation, rent growth, and maintenance assumptions.

5. Rental Property ROI & Cash Flow Calculator
Compute Net Operating Income (NOI), Cap Rate, Cash-on-Cash Return, and Debt Service Coverage Ratio (DSCR).

6. Home Affordability & 28/36 DTI Estimator
Estimate maximum affordable home price and loan amount based on income, monthly debts, and standard 28/36 DTI ratios.

7. Loan A vs. Loan B Comparison
Compare two loan terms, APRs, and origination fees side by side to view monthly payment and total interest differences.

8. Debt Snowball vs. Avalanche Planner
Compare the Snowball method (lowest balance first) against the Avalanche method (highest interest rate first) for debt payoff planning.

9. Credit Utilization Calculator
Calculate per-card and total credit utilization percentages based on current balances and credit limits.

10. FIRE & 401(k) Retirement Estimator
Project long-term retirement compounding, employer match growth, and the 4% safe withdrawal target.

11. Auto Lease vs. Buy Estimator
Compare total out-of-pocket cost and net equity of leasing versus financing a vehicle purchase.

12. 5-Year EV vs. Gas Ownership Calculator
Compare 5-year electricity charging versus gasoline fuel, maintenance, and insurance costs.

KEY FEATURES:
- 100% Offline Calculation Engine: Works completely without internet access.
- Multi-Currency Symbols: Format values in USD ($), EUR (€), GBP (£), INR (₹), CAD, AUD, JPY, and CHF.
- PDF & CSV Schedule Export: Save or share clean amortization tables and calculation reports.
- Private Saved Vault: Bookmark scenarios locally on your phone for quick comparison.
- Light & Dark Mode: High-contrast design for comfortable reading.

PRIVACY & DATA SAFETY:
ZestVault does not collect, store, or share any personal or financial data. All entered numbers remain strictly on your device.

DEVELOPER SUPPORT & CONTACT:
Email: [e-mail]

What’s new

• Rebranded to ZestVault (v1.1, Build Code 2).
• Enhanced all 12 offline financial calculators: Mortgage PITI, Extra Payoff, Refinance, Rent vs. Buy, Rental ROI, Affordability DTI, Loan Comparison, Debt Snowball/Avalanche, Credit Utilization, FIRE Retirement, Auto Lease vs. Buy, and EV 5-Year Cost.
• Improved PDF & CSV report exports and Midnight Navy + Neon Mint UI theme.