Changelog
New features and fixes in each release of Financial Online Tools.
v1.10.0
New features
- New Mortgage Amortization Planner: a schedule that bills interest the way a lender really does — on the actual days of each period, over the actual length of the year — so the date of an overpayment changes the result instead of being ignored. Model fixed, mixed and variable rates with their reviews, add one-off or recurring overpayments that either cut the term or cut the instalment, and compare scenarios side by side. It also asks the question the spreadsheets were built for: is it better to overpay the day before the rate review, or the day after? Add the tax, notary, registry, insurance, IBI and service charges and it shows what the home really costs, not just the instalment. Download an Excel workbook you can keep editing by hand, record the instalments you actually paid, and load it straight back in — a schedule you built yourself works too.
Fixes
- A round of corrections to the loan and savings calculators, most of them arithmetic you would only catch by checking the last row. The TIN/TAE calculator was treating the nominal rate as if it already compounded, which made the TAE come out equal to the TIN on a loan with no fees — the one number the tool exists to separate. On a mixed-rate mortgage the extra-payment view never recalculated the instalment when the fixed period ended, so the schedule finished with tens of thousands still owed and reported that overpaying had cost you money. The amortization planner, under the 30/360 convention, billed a month twice when an overpayment fell in the middle of it, so paying early made the interest go up. The car loan schedule left a few cents outstanding in the final month. A credit card payment a fraction of a cent above the monthly interest passed validation and then repaid nothing for fifty years. A debt plan your budget can never clear now says so, with the debt whose minimum does not cover its own interest named, instead of quietly reporting "600 months". In the mortgage comparison, the variable and mixed options for the second scenario now have the rate fields they need and are actually computed as such — before, they were drawn but the scenario was always calculated as fixed. Also: a withdrawal rate of 0 % stays 0 % instead of becoming 4 %, the compound interest examples are reachable again, and the loan comparison rows no longer push the Remove button onto a line of its own.
- Three more corrections in the savings and mortgage tools. In the savings goal calculator, the expected-inflation field did nothing in "how long will it take?" mode: the months were counted against the nominal goal and the inflation-adjusted cost was printed beside them as a label, so the tool announced a goal reached while the balance was tens of thousands short of the very figure next to it. The saving now races the target as it rises, so 50,000 at 3 % with 400 a month takes 205 months under 5 % inflation instead of the 97 it would take under none — and a plan that inflation outruns is reported as unreachable. In the amortization planner, importing a spreadsheet read a rate column of 0.5 as 50 %, because anything below 1 was assumed to be the 0.005 form; the scale is now settled once per column, from the interest and balance columns where the file has them. And amounts written in the English convention (150,000.00) failed to import at all, while an unpunctuated 1,234 quietly became 1.234 — both conventions now read correctly.
- Two more fixes in the spreadsheet import of the amortization planner, both of them the kind that hands you a plausible number rather than an error. A blank but formatted cell — the sort Excel writes by the thousand — was read as if it opened a cell that never closed, so it swallowed the cell after it: the next value landed one column to the left and its own column came back empty. A blank formatted row did the same to the row below it. And a cell holding an empty value was reported as the number zero rather than as nothing, which in a column of amounts is an invented figure.
v1.8.0
New features
- Blog tags now follow the language you are reading in, and the tag you filtered by is shown on the page so it is clear what the list is filtered to.
- Article images now carry descriptive alternative text, so screen readers describe what each illustration shows instead of repeating the article title.
Fixes
- Fixed 11 internal links that pointed to the wrong category or to a non-localized address and led to a Not Found page.
- Spanish blog tag pages kept their old addresses working: the previous links now redirect to the translated address instead of breaking.
- Article publication dates are spread across distinct days, so the blog reads as a steady stream of articles instead of large batches all dated the same day.
v1.7.0
New features
- New VAT Calculator: add VAT to a net price or remove it from a VAT-inclusive price, with Spanish IVA rates (21/10/4%), UK/EU rates, and any custom rate.
- Added a feedback button (report a bug or suggestion) and a contact form. Both are optional — they only appear when configured.
Fixes
- Blog article headers are now a shorter, full-width hero image instead of an oversized banner.
v1.6.0
New features
- Blog, tag and category pages are now paginated (12 per page) for faster browsing.
- Each site now has a public changelog — click the version in the footer to see what's new.
- Refreshed page headers: the title and description now sit on a larger hero image, and category pages show each tool as an image card you can browse at a glance.
- The privacy notice is now a compact dismissible bar at the bottom of the screen instead of a large block, leaving more room for the tool.
Fixes
- Fixed the blog card image so it fits the card edge-to-edge instead of floating with extra padding.
- Fixed offline mode: the offline cache failed to install because of missing icon files, so pages weren't reliably available offline.
- Keyword tags now show as individual tags instead of a single comma-separated line.