FinCalc —Loan & EMI Calculator

FinCalc works out the real cost of any loan in seconds — completely offline, with no account and no ads.

Enter the amount, interest rate and tenure, and FinCalc instantly shows your monthly EMI, the total interest you'll pay, and how much the loan really costs over its life.

WHAT YOU CAN DO
• Calculate the EMI for any home, car, personal or business loan
• See a clear principal-vs-interest breakdown with a donut chart
• Read the full month-by-month amortization schedule
• Model extra monthly payments and see the months and interest you save
• Compare two loans side by side and instantly see which is cheaper
• Save calculations and reload them any time
• Pick from 14 currencies and choose your decimal precision

WHY YOU'LL LIKE IT
• 100% offline — your numbers never leave your phone
• No sign-up, no login, no tracking
• No runtime permissions requested
• Clean Material 3 design with automatic light and dark themes
• Tiny download, fast and distraction-free

Whether you're shopping for a mortgage, planning a prepayment, or just want to understand an offer before you sign, FinCalc gives you the full picture.