You can either use the 4Finance app financial calculators:

1. Online, inyour browser directly below.

2. By downloading the latest version on your machine by clicking this link: 4Finance app.

Bank Solvency Prediction

🚀 Bridging Machine Learning & Macroprudential Risk Management.

Α self-contained forecasting tool that translates academic machine learning research into a practical web app for predicting bank failures.

The app implements the linear Support Vector Machine (SVM) decision boundary established by our paper "Forecasting bank failures and stress testing: A machine learning approach" Gogas, Papadimitriou, and Agrapetidou, 2018 International Journal of Forecasting.

Our model's accuracy is 99.22%.

🔍 How it Works:

By evaluating more than 1,400 U.S. banks, and testing all 5,500 US banks, the original study discovered that out of 144 initial financial variables, just two specific ratios yield an astonishing 99.22% overall forecasting accuracy:

1. Tier 1 (Core) Risk-Based Capital Ratio (T1CRC): A benchmark for a bank's foundational capital adequacy cushion.

2. Total Interest Expense / Total Interest Income (TIE): A reflection of structural financial leverage and gross margin distress.

💻 The Tech & App Features:

• Direct Input Extraction: Users can input four raw metrics straight from any bank's Balance Sheet and Income Statement.

• Dynamic Feature Scaling: The app normalizes real-world data to a uniform $[-1, 1]$ mathematical domain to mirror the paper's data processing pipeline.

• Hyperplane Boundary Visualization: Built completely in HTML5 Canvas, the app renders a real-time, interactive graph plotting the bank’s placement relative to the optimized SVM decision line.

• Geometric Distance to Default d(B): Rather than outputting standard statistics, it calculates the precise perpendicular distance to the boundary, offering a quantitative "safety margin" to stress-test how much economic shock a solvent bank can withstand before defaulting.

This tool provides risk management divisions, investors, and regulatory authorities with a clear, visual methodology to assess credit risk early and monitor structural buffers without relying on complex external software environments.

1. Loan Calculator
   Calculate your monthly payment in capital and interest, total interest, present value of payments and interest based on the inflation rate.

Υπολογίστε τη μηνιαία δόση σας σε κεφάλαιο και τόκους, τους συνολικούς τόκους, καθώς και την παρούσα αξία των πληρωμών και των τόκων με βάση τον ρυθμό πληθωρισμού. 

2. Investment Calculator
   Calcuate the future value of your investment with compound interest and the real present value.

Υπολογίστε τη μελλοντική αξία της επένδυσής σας με ανατοκισμό (σύνθετο τόκο), καθώς και την πραγματική παρούσα αξία της. 

• The simulator starts with default values the current (2026) values

• You can change the values and create new scenarios