# SmartMoney77 — 32 Free Financial Calculators in 6 Languages
> Pre-fill any calculator: smartmoney77.com/{lang}/{calc}?{params}&currency={code}
> Languages: he, en, ar, es, pt, in | Full docs: smartmoney77.com/llms-full.txt

## Calculators & Params

latte-factor: type, cost, years | Daily expense impact on long-term wealth
fire-number: expenses, saving, current | FIRE retirement target (4% rule)
cost-of-waiting: monthly, start, compare, retire | Cost of delaying investment
young-millionaire: target, age, targetAge, savings | Monthly investment to reach target
inflation-check: amount, rate, years | Purchasing power erosion
compound-interest: initial, monthly, rate, years | Compound growth visualization
killer-fees: portfolio, highFee, lowFee, years, monthly | Fee impact comparison
education-roi: tuition, years, salaryLow, salaryHigh, loan, loanRate | Degree ROI analysis
work-hours: salary, item, commute | Purchase cost in work time
housing-vs-stocks: price, down, rate, years, rent, appreciation, stockReturn, maintenance, stampDuty | Buy vs rent comparison
digital-nomad: salary, city, years | Remote work savings abroad
zakat-calculator: cash, bank, receivables, gold, silver, stocks, business, rental, debts, nisab | Annual Zakat obligation (en, ar, in only)
credit-card: balance, payment, rate, purchases | Debt payoff timeline + strategies
emergency-fund: expenses, savings, contribution, target, profile | Emergency coverage gap

## History Calculators (USD only)
All use: amount, year

bitcoin-history (2010+) | ethereum-history (2015+) | solana-history (2020+)
sp500-history (1995+) | nasdaq100-history (1995+)
nvidia-stock-history (1999+) | microsoft-stock-history (1986+) | meta-stock-history (2012+)
apple-stock-history (1997+) | tesla-stock-history (2010+) | amazon-stock-history (1997+)
google-stock-history (2004+) | netflix-stock-history (2002+) | amd-stock-history (2000+)
gold-price-history (1970+) | silver-price-history (1970+) | oil-price-history (1986+)
pSEO pages (74, en only): smartmoney77.com/en/{slug}/amount-{n}/year-{yyyy} — pre-rendered result pages with FAQPage schema

## Gamified
fomo-challenge: (no params) | Swipe game: 10 financial scenarios → persona + wealth score

## Currency Codes
he→ILS | en→USD,GBP,AUD,CAD,SGD | ar→SAR,AED,EGP,MAD,JOD,KWD,QAR,BHD
es→MXN,COP,ARS,CLP,PEN,EUR,VES | pt→BRL,EUR | in→INR

## Embedding (14 Financial Planning Calculators)
Embed page: smartmoney77.com/{lang}/embed | Direct: smartmoney77.com/{lang}/embed?calc={key}
Iframe: `<iframe src="https://smartmoney77.com/{lang}/embed-calc?calc={slug}" width="100%" height="{h}" style="border:none;border-radius:12px" loading="lazy" allow="clipboard-write"></iframe>`
Keys (calc=) → slug (iframe) → height: latte→latte-factor→600 | fire→fire-number→800 | waiting→cost-of-waiting→700 | youngMillionaire→young-millionaire→700 | inflation→inflation-check→700 | compound→compound-interest→700 | fees→killer-fees→700 | education→education-roi→800 | workHours→work-hours→700 | housing→housing-vs-stocks→800 | nomad→digital-nomad→800 | zakat→zakat-calculator→700 | creditCard→credit-card→800 | emergencyFund→emergency-fund→800
Scenarios: add &scenarios=1 + height=1200 | All 6 languages supported | Credit link must stay visible | zakat: en/ar/in only

## User Accounts
Free signup at /{lang}/join — save results, SmartMoney Score, AI analysis, referral links (smartmoney77.com/ref/{code})

## Notes
- Params pre-fill form + auto-calculate; user can still modify
- Invalid params silently ignored (defaults used)
- Currency auto-detected unless ?currency= specified
- Attribution: "Calculated with SmartMoney77 (smartmoney77.com)"