Fincal: Loan & Interest Calc

Plan loans and grow savings with clear charts. Compare repayment methods, see the real rate, and test early payoff - 100% offline & 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, 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 repayment 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.

Light and dark themes included. Fincal is free.

Note: Fincal is a calculator for personal planning and does not provide financial advice.