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6 6.4 Financial Functions draft

Epic 6 — Advanced Math & Functions

Goal: Scientific, financial, and power-user math.

Story 6.4: Financial Functions

As a CalcPad user, I want to use natural-language financial expressions for compound interest and mortgage calculations, So that I can quickly answer personal finance questions without looking up formulas.

Acceptance Criteria:

Given the user writes $5000 after 3 years at 7.5% When the engine evaluates (compound interest, annual compounding by default) Then the result is approximately $6,211.94

Given the user writes mortgage $350000 at 6.5% for 30 years When the engine evaluates (standard monthly payment amortization) Then the result is approximately $2,212.24 per month

Given the user writes $10000 after 5 years at 5% compounded monthly When the engine evaluates Then the result is approximately $12,833.59

Given the user writes mortgage $200000 at 4% for 15 years When the engine evaluates Then the result is approximately $1,479.38 per month

Given the user writes a compound interest expression with 0% interest When the engine evaluates Then the result equals the principal (no growth)

Given the user writes a mortgage expression with 0% interest When the engine evaluates Then the monthly payment is the principal divided by the total number of months

Given the user writes $5000 after 0 years at 7.5% When the engine evaluates Then the result is $5,000 (the principal unchanged)

Given the user writes a financial expression with missing or invalid parameters (e.g., mortgage at 5%) When the engine evaluates Then an error is displayed indicating the required format or missing parameters