Fincal: Loan & Interest Calc

Plan loans and grow your savings with clear charts. Compare repayment methods, see the real interest rate, and test early payoff - 100% offline and private. Fincal makes everyday money decisions simple. Whether you're taking out a loan or growing your savings, Fincal turns your numbers into clear answers and easy-to-read charts. LOANS • Compare three repayment styles: equal principal, equal instalment, and flat rate. • See the real effective interest rate (APR), so a "low" flat rate can't fool you. • Handle interest rates that change over time. • Plan early repayments and instantly see how much time and money you save. • View a full amortization schedule, grouped year by year. SAVINGS & COMPOUND INTEREST • Project how your money grows with regular contributions. • See a clear growth chart and a year-by-year breakdown. STAY ORGANIZED • Every calculation is saved automatically. • Keep your favorite scenarios to revisit anytime. • Share any result as an image. PRIVATE BY DESIGN • The amounts you enter never leave your device. • No account, no sign-up - works fully offline. Whether you're comparing a mortgage, a car loan, or a personal loan, planning prepayment, or projecting savings and compound interest, Fincal keeps it clear. Light and dark themes included. Fincal is free. Note: Fincal is a calculator for personal planning and does not provide financial advice.