FinCalcy

FinCalcy — India's All-in-One Finance Calculator

Make smarter money decisions with FinCalcy — the most comprehensive
finance calculator app built for Indian investors, salaried employees,
loan borrowers, and tax payers.

Whether you're planning your first SIP, calculating your home loan EMI,
comparing income tax regimes, or figuring out your take-home salary —
FinCalcy gives you instant, accurate answers. No sign-up. No ads.
Completely free.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💰 LOAN CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
• Home Loan EMI Calculator — Calculate monthly EMI, total interest, and
repayment schedule for your home loan.
• Car Loan Calculator — Plan your car purchase with accurate EMI and
interest breakdowns.
• Education Loan Calculator — Estimate repayments for domestic and
abroad education financing.
• Loan Prepayment Calculator — See how much interest you save by making
part-payments on your loan.
• Loan Comparison — Compare two loan offers side by side to pick the
better deal.
• Balance Transfer Calculator — Find out if transferring your loan saves
you money.
• EMI Affordability — Know the maximum loan you can afford based on
your monthly income.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━
📈 INVESTMENT CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
• SIP Calculator — Calculate returns on your monthly Systematic
Investment Plan with compounding.
• Lump Sum Calculator — Know your mutual fund maturity value for
one-time investments.
• Step-Up SIP — Plan annual SIP increases and see the power of
growing your investments.
• XIRR Calculator — Measure the true annualised return on irregular
cash flows.
• Goal Planner — Work backwards from your financial goal to find
the SIP you need today.
• Inflation Calculator — Understand the real value of money over time
using Indian inflation data.
• ROI Calculator — Quickly compute return on investment for any asset.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🧾 TAX CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
• Income Tax — New Regime (FY 2025-26) — Calculate your tax with the
latest slabs, surcharge, cess, and Section 87A rebate.
• Income Tax — Old Regime — Factor in HRA, 80C, 80D, NPS and all
eligible deductions.
• New vs Old Regime Comparison — Instantly see which regime saves
you more tax.
• Take-Home Salary Calculator — Enter CTC and get your exact
in-hand salary after PF, PT, TDS, and all deductions.
• ESOP Tax Calculator — Compute tax liability on Employee Stock
Options at vest and sale.
• Tax Harvesting Calculator — Plan capital gains harvesting to
minimise your tax outgo.
• Advance Tax Calculator — Know your quarterly advance tax
instalments to avoid interest penalties.
• Capital Gains Tax — Calculate STCG and LTCG on equity, debt,
and property.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━
🏦 SAVINGS & GOVERNMENT SCHEME CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
• EPF Calculator — Project your Employee Provident Fund corpus at
retirement with employer matching.
• PPF Calculator — Compute maturity value with annual contributions
and 15-year lock-in.
• SSY (Sukanya Samridhi Yojana) — Plan your daughter's future with
accurate SSY maturity projections.
• SCSS (Senior Citizens Savings Scheme) — Calculate quarterly
interest payouts for senior citizens.
• NSC (National Savings Certificate) — Find out your NSC maturity
amount and accrued interest.
• Post Office MIS — Calculate monthly income from Post Office
Monthly Income Scheme.
• FD / RD Calculator — Plan fixed and recurring deposits across
tenures and interest rates.

━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✨ WHY INDIANS LOVE FINCALCY
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
✅ India-first — Built around Indian tax laws, RBI guidelines, and
government schemes
✅ Calculation History — Every result is saved. Revisit anytime.
✅ Dark Mode — Easy on the eyes, day or night
✅ No internet required — Works fully offline
✅ No login, no ads, no data collection — Your financial data
stays on your device