PRICING / SENSITIVITY / CASH FLOWSREFERENCE EDITION / 16 OCTOBER 2026
Fixed Income
Models

Cash flows first.
Conventions alongside every result.

Publication Reference

Privacy and local calculation handling

What happens to worksheet inputs, CSV files, exports and ordinary page requests.

The worksheets calculate in the browser page and do not upload inputs or imported CSV files. They do not create accounts, store scenarios in localStorage or send entries to a remote pricing API.

Inputs and imported files

A CSV import is read by the page's JavaScript and checked before replacing the existing ladder. Files larger than 128 KiB, unexpected columns, invalid numbers and unsupported scenarios are rejected. A rejected import leaves the previous inputs intact. Imported content is rendered as text rather than interpreted as HTML.

The site does not intentionally retain your changes after the page closes. Downloading an export creates a file on your device through the browser. That file may contain labels and assumptions you entered, so its subsequent storage or sharing is your own decision. Avoid including confidential account numbers or unnecessary personal information.

Ordinary network requests

Page and asset requests still reach the managed hosting service, which can process ordinary connection data such as IP addresses, request paths and browser headers under its own service practices. Local calculation does not mean that visiting a website creates no network record.

The publication has no added analytics tracker, advertising pixel or remote calculation endpoint. Search fetches the site's own static index. Links to other websites leave this publication and are governed by those destinations' practices; referral query parameters can identify this publication as the source of a visit.

Downloads and safety

CSV exports escape formula-leading text for safer spreadsheet opening. This protection is not a guarantee about every spreadsheet application or a file edited later. JSON exports preserve the calculation record without executing its labels. Imported files should still be treated as data, not instructions or proof that the listed securities exist.

Review checkpoints

  • Calculation inputs stay in the current page.
  • Exports are local files, not a cloud backup.
  • Ordinary hosting request logs are separate from tool inputs.

Primary references

  1. Financial library: net present value convention
  2. FINRA: Bond structure, pricing and risks

Continue the calculation

Edition dated 16 October 2026. Constructed examples illustrate a method, not a current market price or a recommendation.

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