CalcNova – All in One

DISCLAIMER: Calculator Master is an independent utility application and does NOT represent a government entity. It does not provide or facilitate government services. All calculations and scheme information are estimates for educational and informational purposes only.

161 calculators in one fast, clean app — loans, investments, savings schemes, income tax, GST, business, health, geometry, conversions and everyday tools. Built for India. Free and works offline.

★ MONEY & LOANS
• EMI calculator with full amortisation schedule and charts
• Home, car, bike, personal, gold, and education loans
• Loan prepayment: see interest and time saved
• Loan eligibility, balance transfer, flat vs reducing rate
• Simple and compound interest

★ INVESTMENTS & DEPOSITS
• SIP calculator, step-up SIP, lumpsum, SWP, goal SIP
• CAGR, XIRR, absolute return, inflation-adjusted return
• Retirement, FIRE planning, child education goals
• FD calculator (quarterly compounding), RD, TDS on interest, Rule of 72

★ INDIA GOVERNMENT SAVINGS
• PPF calculator with yearly balance table
• Sukanya Samriddhi Yojana (SSY) for a girl child
• NSC, KVP, POMIS, Post Office RD and TD, SCSS
• EPF, VPF, NPS, Atal Pension Yojana (APY), gratuity

★ TAX & SALARY
• Income tax calculator: new regime & old regime side by side
• Rebate, marginal relief, surcharge, and cess
• GST calculator: inclusive, exclusive, and reverse GST
• HRA exemption, take-home salary, CTC breakup, TDS, capital gains

★ BUSINESS & VEHICLE
• Discount, stacked discounts, profit/loss, margin & markup, break-even
• Price per unit, bill split with tip
• Mileage calculator, fuel cost, trip cost, cost per km, EV charging

★ EVERYDAY & CONVERTERS
• Unit converter: length, area, mass, volume, speed, temperature, data
• Indian land units: bigha, biswa, kanal, marla, guntha, cent, acre
• Currency converter, number to words (Indian/international)
• Electricity bill slabs, gold price, cash counter, age & date difference

★ MATH, GEOMETRY & HEALTH
• Basic & scientific calculator with history
• Percentage, fraction, ratio, average, statistics, LCM, HCF
• Area, perimeter, volume and surface area for common shapes
• BMI, BMR, calories, ideal weight, body fat, water intake

HIGHLIGHTS
• Works fully offline, no sign-up, no permissions required
• Clear breakdowns, charts, and step-by-step working
• Official rates shown with applicable periods; all rates can be overridden
• Favourites, instant search, history, Indian (₹1,50,000) or international format
• Light and dark themes

PRIVACY
Your calculations stay on your device. Figures are never sent to external servers.

SOURCES OF GOVERNMENT INFORMATION
Rates, tax rules, and scheme guidelines in this app are referenced from publicly accessible official Indian government websites:
• India Post (Small Savings Schemes - PPF, SSY, NSC, KVP, SCSS, POMIS, Post Office TD/RD): https://www.indiapost.gov.in
• National Savings Institute / Ministry of Finance: https://www.nsiindia.gov.in
• Income Tax Department, Government of India: https://www.incometax.gov.in
• GST Portal / CBIC: https://www.gst.gov.in
• Employees' Provident Fund Organisation (EPFO): https://www.epfindia.gov.in
• Pension Fund Regulatory and Development Authority (PFRDA / NPS / APY): https://www.pfrda.org.in
• Ministry of Labour & Employment (Gratuity): https://labour.gov.in

DISCLAIMER & INDEPENDENCE
Calculator Master is an independent utility application and does not represent a government entity. It is not affiliated with, endorsed by, or connected with any government department, bank, tax authority, investment company, or financial institution. Rates and rules change over time; verify with official sources before making financial decisions.

Contact: novaradix@gmail.com