Financial Calculator

Financial Calculator is your all-in-one personal finance toolkit. Whether you're planning investments, checking loan affordability, or comparing tax regimes — everything is in one app.

📊 14 CALCULATORS
• SIP Calculator — step-up, goal mode, inflation-adjusted, sensitivity analysis, Monte Carlo simulation (1000 runs), AI insights, delay cost, SIP→SWP bridge
• Lumpsum — one-time investment with LTCG tax impact
• SWP — Systematic Withdrawal Plan with depletion tracking
• STP — Systematic Transfer Plan
• PPF — Public Provident Fund
• EMI — loan amortization schedule
• FD — Fixed Deposit with cumulative/quarterly payout, monthly to yearly compounding
• RD — Recurring Deposit with quarterly compounding
• Compound Interest — daily to yearly compounding with bar chart
• SIP vs Lumpsum — side-by-side comparison with winner highlight
• Goal Planner — track multiple financial goals with progress bars
• Tax Calculator — Old vs New regime with 80C/80D deductions
• Combined — SIP + Lumpsum together
• Saved Plans — bookmark and export any calculation

💡 SMART FEATURES
• Step-Up SIP: increase investment 0–25% annually
• Goal Mode: find the SIP needed to reach any target corpus
• Quick Goal presets: Retirement (₹5Cr), Education (₹2.5Cr), ₹1 Crore, Home Down Payment, Vacation, Emergency Fund
• Monte Carlo: 1000-run risk simulation showing P10/P50/P90 outcomes
• AI Insights: step-up impact, power of compounding, cost of delay
• Sensitivity Analysis: ±2% scenario comparison
• LTCG Tax: 12.5% on gains above ₹1.25L exemption
• Inflation adjustment: see real value in today's rupees

🌍 NRI SUPPORT
6 currencies: INR, USD, AED, GBP, CAD, SGD with country-specific tax configs.

🎨 POLISHED EXPERIENCE
• Material Design 3 with dark mode
• Year-by-year projection tables
• Bar chart visualizations
• Number-to-words (Indian system, up to Crore)
• CSV export with share
• In-app review prompt

Whether you're a salaried employee comparing tax regimes, an investor planning your next SIP, or an NRI tracking cross-currency returns — Financial Calculator has you covered.