Free
R$ 0 forever
- All 20 calculators, including the 10 new ones
- Every result explained
- iPhone, iPad and iPhone Duo
Financial calculator
Run the numbers before you close the deal.
Interest, loan payments, late boletos, checks and loans: 20 calculators that explain every result, and your client book always up to date. Native on iPhone, iPad and Apple Watch.
Free calculators · monthly or yearly subscription
- 20 calculators
- Checks and loans
- Syncs with iCloud
- iPhone, iPad & Watch
Payment · 10 monthsR$162.75
Compound interest, month by month
Open checksR$6,697.15
What is CalcJuros
A financial calculation desk in your pocket
CalcJuros handles the everyday math of anyone who lends, finances, advances or collects money, with no spreadsheet and no HP 12C. Fill in a few fields and the app shows the result and where it came from.
- calculators
- 20calculators
- screen sizes
- 4screen sizes
- languages
- 2languages
- required accounts
- 0required accounts
Interest made clear
Simple and compound interest, payment, final amount, rate, term, future value and extra payments, with Price and SAC side by side.
Check book
Clients, upcoming checks, interest and early payment. A reminder on the due date and payment requests via WhatsApp.
Loans on track
Installments, late payments, early payoff with a discount and extra payments for each loan, with a summary to send to the client.
Boletos by camera
Scan the barcode and see late fees, interest and discounts, counting business days and national holidays.
Salary and contracting
Net salary and the contractor offer that pays off, with up-to-date Brazilian INSS and income tax tables.
Yours, and only yours
No sign-in: your data lives in your iCloud, with a PIN or Face ID lock and encrypted backups.
Inside the app
Every calculation with its explanation
Real screenshots of CalcJuros 5.0 on iPhone. The result comes first, in a highlight card, with the details right below.
HomeEverything you calculate, in one place
Your latest calculations sit at the top and your favorite calculators are one tap away. Search finds any calculator by name.
- Latest calculations with amount and interest
- Favorites in the order you like
- Search across every calculator
Compound interestA payment that explains itself
Enter the amount, rate and term to see the payment, total interest and final amount. The app compares it with simple interest and shows which one is cheaper.
- Down payment and grace period
- Simple × compound comparison
- Share the calculation as PDF or image
- Checks
Checks under control
Add clients and checks, follow what is due today and in the coming days, and calculate interest and early payment for one or many checks.
- Today’s due checks up front
- A notification on the due date
- Payment requests via WhatsApp or message
LoansEvery installment in its place
Record a loan and the app tracks paid, late and upcoming installments. Receive a payment, pay it off with a discount or make an extra payment.
- Late installments highlighted
- Early payoff without future interest
- A summary ready to send to the client
BoletoLate boletos, no surprises
Point the camera at the barcode. The app reads amount and due date, calculates late fees and interest, and explains which days were counted, holidays included.
- Barcode scanning
- Business days and national holidays
- Late fee, interest and discount apart
WorkEmployee or contractor? Do the math
Compare a CLT salary with a contractor (PJ) offer and find out how much to ask for, with 13th salary, vacation, FGTS, Simples taxes and owner’s salary included.
- How much to ask as a contractor
- Benefits and FGTS included
- Up-to-date INSS and income tax tables
One app, every screen
Just right on every device
The layout adapts to the space: tabs on iPhone, a sidebar and grid on iPad, two columns on iPhone Duo and a quick summary on your wrist.
iPhone
Everything at hand, in your pocket
On iPhone the app has tabs at the bottom and search always in view. Each result comes first, in a highlight card.
iPad
Room to see it all at once
On iPad the calculators appear in a grid, with your latest calculations as cards. Portrait or landscape, the content rearranges itself.
iPhone Duo
Closed or open, every screen in its place
Closed, the Duo works like an iPhone, with navigation on the side. Open, the inner screen shows two areas side by side, like a ledger.
Apple Watch
Today’s summary on your wrist
Open checks, the ones due today, clients and saved calculations, right on your watch. One tap opens the details on iPhone.
Widgets
Numbers on your Home Screen
Most used calculators, check totals and a shortcut to your favorite calculation, without opening the app. In light and dark.
The 20 calculators
From quick math to mortgages
All free, including the ten new ones in version 5.0, built around Brazilian rules and rates. The strip moves on its own; hover or tap to pause.
- Simple interestMonthlyInterest on the initial amount, per month
- Simple interestDailyInterest per calendar day
- Compound interestPaymentFixed loan payment
- Compound interestFinal amountHow much the amount grows
- Compound interestInterest rateThe rate behind the payment
- Compound interestNumber of monthsHow many months until it adds up
- Compound interestNewExtra paymentHow much an extra payment saves
- Investments and ratesNewFuture valueHow capital grows, month by month
- Investments and ratesNewCompared returnsSavings, Tesouro Selic and CDB
- Investments and ratesNewInflation adjustmentAdjusts amounts by IPCA, IGP-M and Selic
- Investments and ratesNewRate converterMonthly, annual, nominal and effective
- Credit and collectionsMortgageInstallments by Price or SAC
- Credit and collectionsBoletoBoleto late fee, interest and discount
- Credit and collectionsCredit cardInterest on card installments
- Credit and collectionsCheckCheck interest and early payment
- Credit and collectionsNewOverdraftWhat your days in the red cost
- Credit and collectionsNewReceivables discountHow much you get by advancing a bill
- Credit and collectionsNewLoan total costInterest, fees, insurance and IOF in one rate
- Salary and workNewNet salaryINSS and income tax taken from gross pay
- Salary and workNewEmployee × ContractorHow much to ask as a contractor
Pricing
Calculate for free. Subscribe for the rest.
All 20 calculators are free for everyone. The subscription unlocks check tracking, loans, widgets, Apple Watch, backups and iCloud sync.
CalcJuros subscription
Most completeMonthly
R$ 9.90 per month
Yearly
R$ 99.90 per year
save 16%Everything in Free, plus:
- Check and client tracking
- Loans: installments, late payments and payoff
- Home Screen widgets
- Apple Watch app
- Encrypted backup and restore
- iCloud sync
- PIN or Face ID lock
Prices in Brazil. The App Store shows the price in your local currency. The subscription renews automatically and can be canceled anytime in iPhone Settings.
Reviews
People who use it recommend it
4 and 5 star reviews left on the Brazilian App Store.
- Excelente para cálculos Imobiliàrio
“Parabéns! Eu que não sei usar uma Hp 12 C facilitou a minha vida.”
Ricardoxavier 15Review in Portuguese - Muito bom
“Um dos melhores e mais completos, poderia ter uma função de salvar empréstimos a perfis, cálculo de parcela com valor superior/inferior para amortização ou acúmulo de dívida e uma maneira de apagar o histórico de cálculos e cheques.”
Leonardo2192Review in Portuguese - Positivo
“Cumpre o que promete”
LluuiizzReview in Portuguese - SAC x PRICE !
“Muito util e facil de usar !”
KAQUYReview in Portuguese - Cheques
“Na hora de inserir a data do cheque deveria mostrar o calendário para saber se é dia útil. Outra coisa, poderia ter opção de fixar a aba “descontar juros” e “taxa de juros” pra não ter que digitar toda hora. Gostei muito do Aplicativo.”
NImsiKarruReview in Portuguese - Muito Bom
“Otimo app, só faltou a opção de escolher se deseja subtrair ou somar o juros no valor. (Juros simples). a+b ou a-b.”
ClipegrafiaReview in Portuguese
FAQ
Questions that always come up
Didn’t find yours? Check the support page or write to me directly.
Talk to meIs CalcJuros free?
All 20 calculators are free for everyone. The subscription, R$ 9.90 per month or R$ 99.90 per year in Brazil, unlocks check tracking, loans, widgets, Apple Watch, backups and iCloud sync.
I bought the old CalcJuros. Do I have to pay again?
No. The app recognizes your purchase through the App Store receipt, and you keep check tracking and iCloud sync with nothing to pay again; the calculators are free for everyone. Loans, widgets, Apple Watch, backups and the other 5.0 features come with the subscription.
Do I need to create an account?
No. Tap “Start without an account” and use the app with your data stored in your iCloud. Sign-in only appears for people bringing data over from an old account.
How do I bring my calculations and checks from the old version?
In Settings, choose “Import data from an old account” and sign in once with the email, Google or Apple account you used before. The app copies calculations, clients, checks and card providers to your iCloud.
Will the result match my bank’s?
The calculations use standard market formulas (simple and compound interest, Price and SAC) and are meant as a reference. Your bank contract may include fees, insurance and IOF; to compare the full cost, use the loan total cost calculator.
Does it work offline?
The calculators work offline. Inflation adjustment and compared returns fetch Central Bank of Brazil indexes and need a connection, and iCloud sync happens when the device is back online.
Does it work on iPad and Apple Watch?
Yes. The same app runs on iPhone, iPad and iPhone Duo, with its own layout for each screen. The Apple Watch app and the widgets come with the subscription.
How do I cancel the subscription?
In iPhone Settings, tap your name and then Subscriptions. Cancellation takes effect at the end of the paid period, and the calculators stay free.
About the developer
Made by someone who does the math too
I’m Renato, an iOS developer in Brasília, Brazil, with over 25 years in software engineering and 7 in Swift. CalcJuros was born to solve the math that shows up every week: check interest, loan payments, late boletos.
Version 5.0 was rewritten from scratch in SwiftUI, native to iPhone, iPad and Apple Watch. It is an independent app, and I read every suggestion sent from the app.
Contact
Any questions?
Suggestions, issues or ideas for CalcJuros. I reply quickly by email, and inside the app you can also send suggestions and vote on what comes next.