FinCalcuPlus: EMI, SIP, PPF

FinCalc is a complete offline financial calculator app for loans, investments, and savings — built for India. No sign-up, no internet permission, no ads. Every calculation runs instantly on your device and your numbers never leave your phone.

WHAT YOU CAN CALCULATE

Loan EMI Calculator

Home loan, car loan & personal loan EMI, with year-by-year amortization schedule
Prepayment simulator — see exactly how much interest and tenure you save with a lump-sum prepayment, either reduce EMI or reduce tenure
Compare two loan offers side by side and see which one costs less

Home Loan Eligibility Calculator

Enter your income and existing EMIs to find your maximum eligible loan amount
Uses FOIR and RBI loan-to-value slabs, and shows whether income or property value is the limiting factor

SIP Calculator

Regular SIP maturity value with a year-by-year growth chart
Step-up SIP — model an annual increase in your monthly investment
Goal-based (reverse) SIP — tell us your target corpus and we calculate the monthly SIP needed
Lumpsum vs SIP comparison

XIRR Calculator

Calculate the true annualized return on investments with irregular cash flows and dates — SIPs, redemptions, top-ups, anything

Fixed Deposit (FD) & Recurring Deposit (RD) Calculator

Maturity value with TDS estimate (regular and senior citizen rates)
Compare up to 3 tenure/rate combinations at once

PPF Calculator

Year-by-year PPF growth with the 15-year lock-in
PPF vs ELSS comparison, including post-tax (LTCG) returns

Compound Interest & Simple Interest Calculators

Flexible compounding frequency (yearly, half-yearly, quarterly, monthly)

SAVE YOUR SCENARIOS Save any calculation and come back to it later — compare loan offers or SIP plans without re-entering numbers.

WHY FINCALC

✓ 100% offline — all math happens on your device, no internet needed to calculate
✓ No account, no login, no personal data collected
✓ Light & dark theme
✓ Available in English, Hindi, Gujarati, Marathi, Tamil & Telugu
✓ Every input is validated so you never see a crash or a wrong answer from a bad entry

Whether you're checking a home loan EMI before signing, planning a SIP, comparing FD rates across banks, or working out your PPF maturity, FinCalc gives you accurate, instant answers — all in one lightweight app.

Note: FinCalc provides estimates for planning purposes and is not financial or tax advice.