FinCalc – EMI, SIP & Tax

MoneyPlanner is a financial calculator app for India. Whether you are planning a home loan, growing your investments, or estimating taxes — everything you need is in one place.
⚠️ DISCLAIMER: This app is not affiliated with, endorsed by, or representing any government entity. All tax, GST, PPF, HRA and gratuity calculations are estimates based on publicly available government rules. Always consult a qualified financial advisor or chartered accountant for official guidance.
LOANS & BORROWING
- EMI Calculator with full amortization schedule
- See exactly how much interest you pay month by month
- Prepayment analysis to save on interest
- Loan Comparison — compare two loan offers side by side
INVESTMENTS
- SIP Calculator with Step-Up option for yearly increases
- Lumpsum Calculator for one-time investments
- Goal SIP — find the monthly SIP needed to hit your target
- Goal Lumpsum — find the one-time amount needed for your goal
- CAGR Calculator — measure the real growth of any investment
RETIREMENT PLANNING
- FIRE Calculator — plan your Financial Independence and Early Retirement
- SWP Calculator — plan systematic withdrawals from your retirement corpus
SAVINGS
- Fixed Deposit (FD) Calculator with all compounding frequencies
- Recurring Deposit (RD) Calculator with month-by-month breakdown
- PPF Calculator based on Section 80C rules (source: nsiindia.gov.in)
TAX & PAYROLL
- Income Tax Calculator — Old vs New Regime for FY 2025-26 (source: incometax.gov.in)
- GST Calculator — add or remove GST instantly (source: gst.gov.in)
- HRA Calculator — House Rent Allowance under Section 10-13A (source: incometax.gov.in)
- Gratuity Calculator — based on Payment of Gratuity Act (source: labour.gov.in)
OFFICIAL GOVERNMENT SOURCES
All calculations are based on rules published by:
- Income Tax Department: https://www.incometax.gov.in
- GST Council of India: https://www.gst.gov.in
- National Savings Institute (PPF): https://www.nsiindia.gov.in
- Ministry of Labour (Gratuity): https://labour.gov.in
- EPFO (Provident Fund): https://www.epfindia.gov.in
KEY FEATURES
- Works 100% offline — no internet needed
- Share results instantly via text or screenshot
- Clean dark theme, easy to read
- All amounts in Indian Rupee format
- Supports shorthand input — type 50L, 1Cr, 500k directly
This app is an independent tool built for salaried professionals, business owners, and students. It does not represent any government department or financial institution.
Download free. No ads. No login. No data collected.