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InCalc v1.0.0

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@clauding-lab clauding-lab released this 11 Jun 18:01
· 53 commits to main since this release
v1.0.0
7c299fe

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.)

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