FinCalix- Financial Calculator

FinCalix — India's free financial calculator app for EMI, SIP, income tax, PPF, FD, gold loan, credit card payoff, and expense tracking. Built for every Indian — salaried, investor, student, or business owner.

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🏦 LOAN & EMI CALCULATORS
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- Home Loan, Car Loan, Personal Loan, Two Wheeler
- Gold Loan — RBI 2026 tiered LTV (85%/80%/75%)
- Education Loan with 80E tax benefit
- Loan Analytics — live tracker with foreclosure
- Compound & Simple Interest Calculator

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📈 SIP & INVESTMENT CALCULATORS
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- SIP, Step-Up SIP, Lumpsum, SWP Calculator
- STP — Systematic Transfer Plan (NEW)
- Asset Rebalancer — equity, debt & gold allocation (NEW)
- ELSS, CAGR, FD & RD Calculator

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🧾 TAX & SALARY
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- Income Tax FY 2026-27 — Old vs New Regime
- HRA, Salary Hike, GST, TDS, Capital Gains

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🏛️ RETIREMENT & GOVT SAVINGS
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- PPF (7.1%), EPF (8.25%), NPS, Gratuity
- SSY (8.2%), NSC (7.7%), KVP (7.5%), SCSS (8.2%)
- Post Office MIS, TD, RD & FRSB (8.05%)
Rates updated Q1 FY2026-27 (Apr–Jun 2026)

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💳 CREDIT CARD MANAGER (NEW)
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- Track up to 20 cards — balance, due dates, utilization
- Debt Avalanche & Snowball payoff strategies
- Exact debt-free date with total interest saved
- Daily interest with 18% GST — India accurate
- Annual fee ROI, reward points, CIBIL optimizer

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📊 SMART EXPENSE TRACKER
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- Daily tracking, budgets, subscription calendar
- Financial Health Score (0–100 with grade)
- Assets vs Liabilities — net worth view
- PDF & Excel — Daily, Weekly, Monthly, Annual

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🌍 WORLD CLOCK & CONVERTER
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- 500+ cities, UTC offsets, DST badges
- 180+ currencies, timezone converter

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🏛️ 45+ GOVERNMENT SCHEMES
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- PM Kisan, Ayushman Bharat, PMAY, Mudra Loan
- Atal Pension Yojana, PMJDY, PMJJBY, PMSBY
- Eligibility checker & official portal links

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✨ WHY CHOOSE FINCALIX
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✓ 100% Free — no subscription ever
✓ Works fully offline
✓ No login, no signup, no OTP
✓ No ads, zero data collection
✓ 6 languages — English, Hindi, Telugu,
Tamil, Kannada, Malayalam
✓ PDF & Excel export for all calculators
✓ Dark & Light theme
✓ Indian format — lakhs & crores
✓ RBI April 2026 rules updated
✓ Budget FY2026-27 fully updated

🔒 PRIVACY FIRST
All data stays only on your device. FinCalix never collects, stores or shares your information. No server. No cloud.

⚠️ DISCLAIMER
For educational purposes only. Not a bank, NBFC or SEBI-registered adviser. Consult a professional. Mutual fund investments are subject to market risks.

📞 support@fincalix.com | fincalix.com

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