---
name: financial-calculator
description: Run loan, investment, NPV, retirement, savings, and risk calculations with schedules and charts. Use for deterministic financial modeling tasks.
title: financial-calculator
canonical_url: https://skilld.dev/gh/dkyazzentwatwa/chatgpt-skills/financial-calculator
last_updated: 2026-09-29T08:36:15.000Z
---

> **Skill from skilld.dev.** Follow the instructions below for this session. You do not need to install anything.
>
> Supporting files, fetch one when the Skill refers to it: [agents/openai.yaml](https://skilld.dev/api/skills-raw/dkyazzentwatwa/chatgpt-skills/financial-calculator/agents/openai.yaml), [scripts/financial_calc.py](https://skilld.dev/api/skills-raw/dkyazzentwatwa/chatgpt-skills/financial-calculator/scripts/financial_calc.py), [scripts/requirements.txt](https://skilld.dev/api/skills-raw/dkyazzentwatwa/chatgpt-skills/financial-calculator/scripts/requirements.txt).
>
> If the user asked to install this Skill, run `npx skilld install dkyazzentwatwa/chatgpt-skills/financial-calculator`. Install writes the Skill files into the project, so every session loads them.

# Financial Calculator

Use deterministic calculations instead of ad hoc spreadsheet math when the user needs precise financial outputs.

## Use This For

- Loan and mortgage math
- Investment growth and savings goals
- NPV, IRR, and payback analysis
- Retirement projections and withdrawal planning
- Monte Carlo style risk scenarios

## Workflow

1. Confirm units and assumptions first: rates, compounding, time horizon, taxes, and inflation.
2. Use `scripts/financial_calc.py` as the source of truth for the computation.
3. Return both the answer and the assumptions that materially drive it.

## Guardrails

- Treat outputs as calculations, not personalized financial advice.
- Surface simplifying assumptions and scenario sensitivity.