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.