Releases: clauding-lab/interest-calc
Release list
InCalc v1.1.2 — new app icon
New app icon: the "%↑ Rate-up" mark — a percent sign whose rising slash carries an upward arrow, on a graphite squircle. Replaces the navy ৳ across the favicon, apple-touch-icon and PWA. Service-worker cache bumped to v15 so installed clients refresh. No calculation changes.
InCalc v1.1.1
New app icon — the refined navy ৳ mark, matching the InCalc BD iOS app (favicon + PWA install icon).
Superseded by v1.1.2, which replaced this navy ৳ mark with the graphite "%↑ Rate-up" icon.
InCalc v1.1.0
Deposit calculations (money-critical)
- Excise duty + source tax now always applied; ED charged on each year's gross (highest) balance (source tax can't erode it).
- FD/DPS/WDS/MBS use annual compounding; DPS/WDS contributions pro-rated from deposit date.
- Fix: DPS/WDS no longer include a phantom Tk 10,000 starting principal (live-UI clamp bug — affected production since launch).
- FD 2×/3× doubling-time solver (annual basis); partial/sub-year tenors correctly pro-rated.
UI
- 3-month tenor grid (Loan / Deposit / Compare) + Loan quick-pick chips.
- Quarterly loan & deposit charts; Compare uses a single shared Loan/Deposit type.
Verified: 12/12 live UAT cases + golden-vector parity with InCalc BD (iOS).
InCalc v1.0.1 — 6-month loan tenors
What's new
Tenor sliders on the Loan, Deposit, and Compare calculators now step in 6-month intervals instead of whole years, with a unified "1y 6m" readout.
- Loan & Compare — re-modelled in months internally, with a correct partial final year in the schedule/amortization.
- Deposit — the slider now steps in half-years; the engine already handled fractional tenors, so its figures are unchanged.
- Compare's tenor field is labelled "Tenure"; the Deposit print/PDF now honours the tenure-chip override.
- Service-worker cache bumped to
incalc-v6.
Accuracy
Whole-year tenors are bit-for-bit identical to v1.0.0 (verified against the golden-vector set); new sub-year cases were added and hand-checked. Wrong financial output is the worst defect class — this change was parity-proven before release.
InCalc v1.0.0
InCalc is a single-file, offline-capable suite of banking calculators built for day-to-day Bangladesh banking work. No backend, no tracking, no build step — open it and it works, on desktop or installed as a phone app.
Live: https://clauding-lab.github.io/interest-calc/
This is the first stable release. It marks the point where every calculator has been audited end to end for correctness, accessibility, mobile behaviour, offline reliability, and security.
What's inside
- Deposit — FD, DPS, WDS, MBS and custom deposits, with NBR excise duty and source-tax (PSR-based) deductions and a net-receivable figure.
- Loan — EMI, total interest, amortization schedule, prepayment savings, and an effective-rate (EAR) analysis for advance EMIs and cash security.
- DSCR / DBR — debt-service coverage and debt-burden ratios from an income statement plus existing and proposed obligations, with an IRR-based effective rate.
- Settlement IRR — XIRR on a loan settlement: upload the working Excel or start blank, enter receivables, waivers and the payment schedule.
- Compare — two deposit or loan scenarios side by side.
Highlights of this release
Correct numbers. Excise-duty slabs aligned to the FY2025-26 NBR schedule; DSCR effective rate now spans the full loan tenor; the Compare winner is decided on real figures; Settlement IRR refuses to compute without a settlement date and flags excluded rows. All calculations run in Taka, with a display-only currency toggle.
Accessible. Every control has a proper name, the tabs use correct ARIA semantics, keyboard focus is visible, and text meets WCAG AA contrast in both light and dark themes.
Works on a phone, works offline. Wide tables scroll instead of overlapping at narrow widths; the app installs as a PWA, survives a flaky network, and prompts before applying an update.
Hardened. A Content-Security-Policy and Subresource-Integrity hashes lock down the two external libraries; uploaded-file content is escaped before display.
Disclaimer
Calculations are illustrative. Verify against official figures and consult a qualified advisor before relying on any output for a real decision.
(Now live at https://incalc.clauding-lab.com — the custom domain was added shortly after this release; the GitHub Pages URL above still works.)