About Numrica

What Numrica is

Numrica is a free financial calculators platform. Every tool on this site — loan calculator, mortgage calculator, compound interest calculator, debt payoff planner, and ROI calculator — is free to use, requires no account, and collects no personal data. The calculations happen in your browser. Nothing is stored on our servers.

The goal is simple: give anyone access to the same financial math that professionals use, without paywalls, registration forms, or upsell flows. Good financial decisions start with accurate numbers, and accurate numbers should not cost anything to compute.

Who built it

Numrica was created by Pedro Roriz, a corporate finance professor and financial consultant based in Portugal and Brazil.

Pedro teaches corporate finance and management accounting at IPOG(Instituto de Pós-Graduação), one of Brazil's largest postgraduate business schools, where he has trained over 15,000 students across MBA, specialization, and executive education programs. His courses cover financial statement analysis, valuation, capital structure, and financial decision-making.

In 2016, he founded TAG Business Solutions, a financial BPO and CFO-as-a-service firm operating in Brazil and Portugal. TAG provides outsourced financial management, controllership, and M&A advisory services to small and mid-sized companies. Pedro has advised on capital raises, corporate restructurings, and acquisition processes across multiple industries in both countries.

Numrica was built to bring the same rigor Pedro applies in the classroom and in client engagements to a free, public-facing tool that anyone can use — whether they are evaluating a mortgage, planning debt repayment, or modeling an investment return.

The tools

• Loan CalculatorMonthly payment, amortization schedule, SAC vs Price comparison.
• Mortgage CalculatorFull PITI breakdown with PMI, FHA/VA/USDA support, biweekly savings.
• Compound Interest CalculatorFuture value, APY, Rule of 72, inflation-adjusted returns.
• Debt Payoff PlannerAvalanche vs snowball comparison with exact payoff date and interest savings.
• ROI CalculatorCAGR, S&P 500 benchmark, fee drag, and real returns after inflation.

Editorial content

The Numrica blog publishes in-depth financial education articles in English, Brazilian Portuguese, and European Portuguese. Articles cover debt repayment strategies, mortgage mechanics, compound interest, credit card costs, and investment returns — written by Pedro from the same analytical perspective he brings to his academic and consulting work.

Accuracy and methodology

All calculators on Numrica use standard financial mathematics — PMT/FV formulas, amortization schedules, CAGR, and PITI breakdowns — consistent with how lenders, financial planners, and textbooks compute these figures. Results are for educational and planning purposes. They should be verified against lender disclosures and reviewed with a qualified financial professional before making financial decisions.

Contact

For questions, feedback, or partnership inquiries, email hello@numrica.com. For privacy-related requests, see the Privacy Policy.