Loan EMI, SIP & FD Calculator

Finance Toolkit is a free daily expense tracker, EMI calculator, SIP calculator, FD calculator and GST calculator — 12 financial tools in one app, built for India. Track where your money goes every day, calculate home loan EMI, car loan EMI and personal loan EMI, fixed deposit maturity, mutual fund SIP returns, GST and income tax — all in rupees, with Indian number formatting, and everything works offline.

Whether you are tracking daily spending, planning a home loan, comparing two loan offers, starting a SIP or filing your taxes, Finance Toolkit gives you a clear answer in seconds.

DAILY EXPENSES

• Daily Expense Tracker — log an expense in seconds with amount, category and a note
• Day, Week and Month views so you can see spending as it builds up
• Monthly budget with alerts when you cross 75% and 100%
• Spending split by category — Food, Travel, Shopping, Bills and more
• Search past expenses by note
• Daily reminder at a time you choose, so you never forget to log
• Share your monthly expense summary on WhatsApp

CALCULATORS INCLUDED

LOANS
• EMI Loan Calculator — monthly instalment plus a full month-by-month amortization schedule showing principal, interest and balance
• Compare Loans — put two loan offers side by side and see which one really costs less
• Loan Eligibility Calculator — FOIR-based estimate of how much loan you may qualify for

SAVINGS AND INVESTMENTS
• SIP Calculator — mutual fund SIP returns, with a step-up SIP option to increase your investment every year
• FD Calculator — fixed deposit maturity value
• RD Calculator — recurring deposit returns with quarterly compounding

TAX
• GST Calculator — 5%, 12%, 18% and 28% slabs plus custom rate, with add GST and remove GST modes
• Income Tax Calculator — compare old regime vs new regime and see your take-home pay

UTILITIES
• Bank Denomination Calculator — count notes from ₹500 down to ₹1 with a live total and the amount in words
• Age Calculator — exact age in years, months and days, or between any two dates
• Scientific Calculator — full function keypad with sin, cos, tan, log and more

WHY FINANCE TOOLKIT

• Works completely offline — no internet needed
• Your financial data stays private — nothing you enter is stored or shared
• Daily reminder so expense tracking actually becomes a habit
• Share any result on WhatsApp instantly
• Dark mode for comfortable night use
• Clean, simple design — no clutter, no sign-up
• Free to use

Built in India, for India. Perfect for salaried employees, small business owners, bank and finance professionals, students, and anyone who wants quick and accurate financial answers without a spreadsheet.

Have a suggestion or found an issue? Write to us at [email protected] — we read every message.