Financial Calculators

Discovery helper: returns the standard prompt template, argument template, output-interpretation guide and related resources for one or all SmartMoney77 tools, so you can call them correctly without guessing. Example: { "tool": "fire_number" }.

List every SmartMoney77 calculator with its slug, accepted URL parameters and supported languages/currencies. Call this before build_calculator_link. Example: { "group": "history" } returns only the 'what if I had invested' tools.

Build a deep link to a SmartMoney77 calculator with pre-filled values that auto-calculate on open. Use list_calculators first to find the slug and its parameters. Example: { "calculator": "bitcoin-history", "lang": "en", "params": { "amount": 1000, "year": 2015 } } → https://smartmoney77.com/en/bitcoin-history?amount=1000&year=2015

Build everything needed to share a SmartMoney77 calculation on social media in one call: the deep link to the result, a ready-to-embed 1200x628 image URL rendered on our servers, a link that opens the on-site share modal (1200x628, 1080x1080, 1080x1920 downloads), and a localized caption with attribution. Works for all 31 calculators. Example: { "calculator": "fire-number", "lang": "en", "params": { "expenses": 4000, "saving": 1500 } }

Project the future value of an initial amount plus monthly contributions at a given annual return (monthly compounding), and return a link to the same calculation on SmartMoney77. Example: { "initial": 10000, "monthly": 500, "rate": 8, "years": 20 } → futureValue = 343,778. Monthly contributions are made at the end of each month (ordinary annuity).

Calculate the financial-independence (FIRE) target from monthly expenses using the 4% rule, plus how many years of saving are needed. Example: { "expenses": 4000, "saving": 1500, "current": 50000 } → fireNumber 1,200,000.

Calculate how long it takes to clear a credit card balance at a fixed monthly payment and APR, plus the total interest paid. Example: { "balance": 10000, "payment": 400, "rate": 18 } → about 32 months and ~2,600 in interest. Errors when the payment is smaller than the first month's interest.

Calculate how many months of expenses current savings cover, the target emergency fund size, the gap, and how long it takes to close it. Example: { "expenses": 3000, "savings": 6000, "contribution": 500, "target": 6 } → 2 months covered, target 18,000, gap 12,000, 24 months to go.

Calculate how much purchasing power cash loses to inflation over time, and what nominal amount keeps the same buying power. Example: { "amount": 100000, "rate": 3, "years": 10 } → realValue ≈ 74,409 and equivalentNeeded ≈ 134,392.

Calculate what a small recurring daily expense (coffee, cigarettes, takeaway) costs over time and what it would grow to if invested instead. Monthly cost = cost × perWeek × 52 / 12, and monthly contributions are made at the end of each month (ordinary annuity). Example: { "cost": 5, "years": 30, "rate": 8, "perWeek": 5 } → ~108/month spent and a six-figure invested balance.

Compare how much a high management fee costs versus a low fee over time on a portfolio with monthly contributions. Example: { "portfolio": 100000, "monthly": 1000, "highFee": 1.5, "lowFee": 0.3, "years": 25 } → the low-fee portfolio ends materially higher.

Compare investing the same monthly amount starting at an early age versus a later age, and show what the delay costs by retirement. Example: { "monthly": 1000, "start": 25, "compare": 35, "retire": 67, "rate": 8 } → a large gap created mostly by compounding, not by the extra contributions.

Compute what a past investment would be worth today (or in a later year), using the same yearly low/high average prices as the SmartMoney77 history calculators. All amounts and prices are in USD only. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "asset": "bitcoin", "amount": 1000, "buy_year": 2015 } → units bought, current value, profit, total return and CAGR, plus a link that reproduces it on the site.

Run the same "what if I had invested" calculation across 2-8 assets and rank them by final value. USD only, same yearly low/high average pricing as the SmartMoney77 history calculators. Assets: bitcoin, ethereum, solana, sp500, nasdaq100, nvidia, microsoft, meta, apple, tesla, amazon, google, netflix, amd, gold, silver, oil. Example: { "amount": 1000, "buy_year": 2015, "assets": ["bitcoin", "sp500", "gold"] } → each asset's value today, sorted best first, each with its own reproduction link.