Porticus: Finance & Cost Calc

Porticus is a privacy-first financial calculator designed to reveal the true cost of loans and the real value of investments after inflation.

Key Calculation Features:
• Privacy First: All calculations happen offline on your device.
• No Data Collection: No tracking of your financial inputs or history.
• Hidden Cost Analysis: Calculate the impact of processing fees, GST, and insurance.
• True Loan Interest: Find the actual IRR (All-in Cost) of any credit or loan.
• Inflation Adjustment: Calculate the real purchasing power of future returns.

Calculation Suite:
Salary & Income Tools
• In-Hand Salary: Calculate your actual take-home pay by factoring in CTC, PF, professional tax, and other deductions.
• Tax Breakdowns: See how different salary structures affect your monthly bank credit.

Loans & Liabilities
• Smart Loan Calculator: Factor in file charges and insurance to find the true interest rate.
• Shopping EMI: Compare No-Cost EMI offers against cash discounts.
• Auto Loan: Calculate total on-road price and interest impact.

Math and Finance -Based
• SIP & Lumpsum: Project growth based on custom interest and inflation rates.
• SWP & STP: Calculate systematic withdrawal and transfer schedules.
• Time Value of Money (TVM): Professional PV, FV, and cash flow analysis.

Fixed Income & Retirement
• Government Schemes: Calculations for PPF, EPF, NPS, and APY.
• Deposits: Interest and tax implication math for FD and RD.

Utility Tools
• Inflation Calculator: Calculate the future cost of goods and services.
• GST & Simple Interest: Quick tools for daily business math.

Privacy Promise: Porticus does not require an internet connection and does not store your data. It is a pure utility tool for clear, honest financial math.

Download Porticus to see the math behind your money. No Hidden Costs. Just Clear Math.