The Andy Terminal

The Andy Terminal is a Bloomberg-style financial terminal for macOS — built for value investors who want fast access to business fundamentals, 10-year financial history, and research tools without paying for an institutional subscription.

All market data is sourced from Yahoo Finance (no account required). Financial statements are pulled directly from SEC EDGAR. No brokerage account, no Bloomberg subscription, no spreadsheets.

OPTIONS CHAIN
Full live options chain with real-time bid/ask/mark. Black-Scholes delta, ARORC (Annualised Return on Risk Capital), and P.OTM computed locally. Best-match strike highlighted automatically. Bull Put Spread (BPS) and Bear Call Spread (BCS) view with Fibonacci support and resistance levels. In-the-money rows highlighted; Volume and Open Interest shown for every strike.

CALCULATORS
Canadian Put Calculator: compares buying a deep ITM call vs. selling a cash-secured put, showing RORC, ARORC, and the capital advantage of the strategy. Stock Replacement Calculator: models the tax and cash-flow impact of rolling a stock and covered call position into a LEAP.

MARKETS AND WATCHLIST
Live quotes for S&P 500, Dow 30, Nasdaq, Russell 2000, and VIX with intraday sparklines. Watchlist tracks your buy price and shows each stock's valuation zone (On Sale to Overpriced). Earnings warning dots appear next to any ticker with earnings within 30 days.

RESEARCH AND FUNDAMENTALS
10-year income statement, balance sheet, and cash flow charts from SEC EDGAR. No API key required. Fundamentals tab: EPS growth, ROIC, debt analysis, Sticker Price, Margin of Safety, and a peer comparison table. Research tab: Meaning, Moat, and Management analysis templates, links to SEC filings and external research platforms.

NEWS AND SENTIMENT
Company headlines via optional Finnhub integration. 14 curated RSS feeds filtered by ticker and company name, no additional setup required. Supports FinBERT sentiment scoring on every headline via optional Hugging Face integration.

ECONOMIC DASHBOARD
Sahm Rule, Yield Curve, Michigan Consumer Sentiment, Jobless Claims, and more via optional FRED integration.

SUBSCRIPTION
Your first month is completely free, no payment information required. After the trial, News and Watchlist remain free. All other features require an active subscription at $4.99 per month, billed through the Mac App Store.

Payment will be charged to your Apple ID account at confirmation of purchase. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscription at any time in System Settings > Apple ID > Subscriptions.

Privacy Policy and Support links are available under the App Information section.

Terms of Service - https://andyxmeyers-dev.github.io/TheAndyTerminal-Support/terms.html