About FinYield

Why we built FinYield

Most finance websites are lead-generation machines. You arrive at a calculator, and before you can read the result you are handed a form, a phone call from an “advisor”, or an upsell dressed up as education. FinYield is the opposite of that model. We built a small suite of browser-based financial calculators that do exactly one thing - compute - and do it entirely on your device. There is no sign-up, no account, no email gate. Our only revenue is a handful of unobtrusive ad placements; we never sell data, because we never collect it in the first place. Tools that respect you is not a slogan here - it is the entire business plan.

What’s inside

Six calculators ship today, each focused on a decision people actually face:

• Freelance Hourly Rate & Runway Calculator - Price your time with precision. Derive the minimum profitable hourly rate from your target income, overhead, taxes and billable hours - then measure how many months your savings can carry you.
• FIRE & Early Retirement Calculator - Simulate compound growth toward financial independence. Model contributions, returns and inflation to find your FIRE number, your independence date and your coast-FI threshold.
• Crypto & Stock Tax, Profit & Capital Gains Calculator - Estimate capital gains tax, exchange fees and true net profit on any crypto or stock trade before you exit the position. Break-even pricing, ROI and profit margin included.
• Loan Payoff & Amortization Schedule Calculator - See every payment of your mortgage or loan laid bare. Full amortization schedule, principal-vs-interest splits, payoff dates, and how extra payments slash years and interest.
• Compound Interest Calculator with Contributions - See how deposits snowball with compound interest. Model monthly contributions, compounding frequency and time to get the future value, total interest and effective APY of any plan.
• Savings Goal Calculator - How Much to Save Monthly - Work backwards from any savings goal. Enter your target, deadline and current savings to get the exact monthly amount, when you will hit each milestone and how much interest covers.

How it works

Every formula is documented in plain language on its own page, so you can verify the math instead of trusting a black box. All execution is client-side JavaScript: the numbers you type are processed in your browser tab and are never transmitted, stored, or logged anywhere. The pages themselves are static files served from a CDN - there is no application server to breach and no database to leak. Privacy by architecture, not by policy.

Editorial design philosophy

Finance is noisy enough without our help. The interface follows a strict editorial discipline: bold uppercase headings, serif italics for accents, generous whitespace, and charts you can read at a glance. There are no dark patterns, no blinking urgency banners, and no fifteen-step wizards. Good tools should respect your attention - you spend it on the numbers, not on the chrome around them.

The road ahead

FinYield is deliberately small, but it is built to last and fast by default. More calculators are already on the drawing board - rent-versus-buy, inflation trackers and net-worth snapshots - each held to the same standard: private, transparent and instantly useful. If a tool would not help us make a real decision, it does not ship.

Contact

Questions, corrections, or a calculator you wish existed? The contact page has everything you need - a single email, hello@finyield.app, read by a human. No forms, no ticket queues.