What is NeedTheseApps?

NeedTheseApps creates free online financial calculators and other practical web apps that turn complicated questions into clear, useful answers.

The first collection covers money: savings withdrawals, retirement income, compound growth and long-term planning. The current calculators run directly in your browser and need no sign-up or account.

They are built for people who do not work in finance. You should not need to know a professional term before you can use one.

Why this site exists

It started with a search that went badly.

I wanted to know whether the money I had saved could actually support me, and for how long. That is a simple question. Finding a tool that would answer it was not simple at all.

The calculators I found were built as though I already knew the vocabulary. Long forms with no explanation of what any field meant. No help when I got stuck. And when I finally produced a result, it was one number with nothing to tell me what it meant for my life.

I did not come away better informed. I came away feeling like I had failed a test I had not studied for.

The internet does not lack calculators. What it lacks is calculators designed around the person trying to understand the answer. That gap is why this site exists.

What I believe

I spent years believing I was not good with numbers, before discovering that my ability was never the problem. I needed the subject explained in a way that connected to something I already understood.

That experience shaped the belief behind NeedTheseApps: difficulty with numbers does not always mean a lack of ability. Often the missing piece is a clearer explanation.

Clear financial information can change a decision. It can help someone notice the real cost of an agreement, compare alternatives, or find an option they had not considered. That is worth making accessible.

What makes these tools different

A calculator should not hand you a number and stop. That is where the useful part begins.

Plain language first. Every label and every result is written in ordinary words. Where a professional term is genuinely useful, it appears alongside the plain one, never instead of it.

Results that answer the actual question. Someone opening a savings withdrawal calculator may appear to be asking what their ending balance will be. The question behind it is usually larger: can my savings support the life I want, and for how long? So instead of one figure, each tool shows the fuller picture: what happens over time, what changes the outcome, and which assumptions matter most.

Help where you are, not on a separate page. Each tool carries its own explanations, worked examples and help boxes, built into the page and written around situations from ordinary life.

Assumptions in the open. Every result rests on assumptions. NeedTheseApps shows them, and shows what happens when you change them.

Who these tools are for

These tools are for people who want to explore a financial question without first learning professional terminology.

Different tools serve different needs. Someone earlier in their working life may want to see how regular saving and compound growth develop over decades. Someone approaching retirement may want to know how long their savings could support a monthly income.

Not knowing a financial term does not mean you cannot understand the idea behind it.

Who builds this

My name is Eyal Doron. I built this site, I write the content, and I am responsible for everything on it.

I am not a financial advisor, and I do not work in finance. My background is technology: cybersecurity, AI security and innovation.

NeedTheseApps is not a bank, an investment firm, or a provider of any financial product. There is nothing here to sign up for and no advisor waiting at the end.

What I bring is a habit of taking a complicated system apart until it makes sense, and a low tolerance for explanations that assume too much.

Find me on LinkedIn · Peerlist · Gravatar · Medium · Substack

How the tools are built and checked

Every tool starts with research into the question people are actually trying to answer, not just the calculation they searched for. The formulas behind financial calculators are well established and publicly documented. Getting them right is a matter of care, not invention.

Calculations run in ordinary code, not artificial intelligence. The same inputs always produce the same answer.

Before a tool is published, I test the formula against expected results, work through common scenarios, and deliberately test edge cases: the situations where a calculator is most likely to mislead rather than simply behave. I also review the wording, the assumptions and the result explanations, because a correct number explained badly is still a failure.

Assumptions are shown to you. Country-specific figures and other changeable data are reviewed and updated when needed.

One distinction matters more than any other here. Testing confirms that the code follows the intended formula and produces the expected result for the scenarios checked. It cannot confirm that the future will match those assumptions. Those are two different claims, and only the first one is something I can verify.

What these tools can and cannot do

These tools do not provide personalized financial, tax, legal or investment advice.

They can calculate, model a scenario, compare assumptions, and show how sensitive an answer is to what you put in. They can help you explore a decision and arrive at a professional conversation better prepared.

They cannot predict returns, guarantee an outcome, or account for your full circumstances. Investment returns change. Inflation varies. Tax rules differ by country and by person.

A projection is a scenario, not a promise.

Your privacy

When a calculator runs entirely in your browser, the figures you type into it are processed on your own device. They are not sent to NeedTheseApps, and they are not stored.

Other parts of this site use a few small items the site needs to work, and Google Analytics only if you accept it. There is no advertising today. These are separate from the numbers you enter into a calculator, and they are explained in the Privacy Policy.

How this site is supported

The goal is to keep the core calculators free to use. The site is expected to be supported by advertising in future, and may include clearly marked affiliate links.

Calculator results are never changed to promote a product or a commercial partner. Advertising is kept separate from a tool’s inputs, results and explanations, so it is never mistaken for part of the answer.

Where this is going

Financial calculators are the starting point, not the boundary.

Information has value well beyond money, and plenty of important questions go unasked simply because nobody has made them easy to look at. Over time NeedTheseApps will grow into a wider library of practical tools. The subject will change. The standard should not: a focused tool, a clear interface, and an explanation that helps you understand what the result means.

Corrections and contact

If you find a calculation, a figure or an explanation that looks wrong, please tell me. Write to hello@needtheseapps.com and I will look into it and correct it.

The same address is the right one for a confusing explanation, a missing piece of context, or an idea for a tool worth building. Suggestions genuinely shape what gets built next.