Master Your Money with
Smart, Accurate Calculations
From daily vaddi & loan EMIs to SIPs and traditional Chit funds — get instant, accurate results with zero ads, 100% offline privacy, and Indian Lakhs & Crores formatting.
All 16 Financial Calculators
Every calculator purpose-built for Indian users — with ₹ Lakhs & Crores formatting, quick rate presets, and instant share.
Simple Interest
Indian vaddi/lending precision — exact from-to calendar dates, per-month & per-year rate toggle, daily accrual, and 30-day month standard.
Compound Interest
5 compounding frequencies: Annually, Half-Yearly, Quarterly, Monthly, or Daily. Shows AER effective annual rates for true comparison.
Chit Calculator
Traditional auction chit manager — member dividend, net winner cash, agent commission %, and effective interest rate per member.
Fixed Deposit (FD)
Forecast bank FD maturity values with compounding options. Quick preset chips for SBI, HDFC, ICICI, and Axis Bank rates.
Recurring Deposit (RD)
Grow disciplined monthly savings with clear maturity interest breakdowns and cumulative payout projections over time.
Interest Rate Finder
Reverse calculator — input principal and total return to discover the exact effective rate per month and per day.
EMI / Loan Calculator
Compute monthly repayments with full yearly & monthly amortization schedules, dual-color principal vs. interest progress bars.
Loan Comparison
Compare 2 loan offers side-by-side — monthly EMI difference, total interest saved, and balance milestones at Year 1, 3, 5, 10.
Loan Prepayment
Simulate extra monthly payments, annual lump-sums, and step-up %. See exact years saved and interest cut from your loan tenure.
Flat vs Reducing
Unmask deceptive "flat rates" from car dealers. Converts quoted flat rate into the actual true reducing balance interest rate.
SIP Calculator
Plan monthly mutual fund SIP investments and watch estimated wealth compound. Compare total invested vs total wealth gained.
ROI & Rule of 72
Assess profitability, percentage gain/loss, annualized returns, and calculate exact years to double your wealth with Rule of 72.
GST Calculator
Instant Exclusive & Inclusive GST with 5%, 12%, 18%, 28% slabs. Clear CGST, SGST, and IGST breakdown output.
Discount Calculator
Original price, % off, final price, and total savings. Supports dual stacked discounts for retail and online shopping deals.
Percentage Calculator
4-in-1: What is X% of Y, X is what % of Y, Percentage Increase/Decrease, and Fraction-to-% conversions in one tool.
Tip & Bill Splitter
Split dinner or travel expenses among friends with 5%, 10%, 15%, 20% tip presets and customizable group size.
Built Different. Built Better.
Professional financial tools previously only available on desktop — now in your pocket, offline, beautifully designed.
Indian Number System
Results display as ₹1,00,000 — not the Western ₹100,000. Smart compact display: ₹12.5 L and ₹1.2 Cr for large values. Built for India.
100% Offline & Private
No login required. No cloud tracking. No ads. Everything runs entirely on your device — your financial data never leaves your phone.
1-Tap WhatsApp Share
Generate beautifully formatted text summaries — complete with loan breakdowns and results — share via WhatsApp, SMS, or Email instantly.
Calculation History
Automatically saves recent calculations with one-tap recall and instant re-calculation. Review yesterday's EMI quote in seconds.
PDF & CSV Export
Generate clean, professional A4 PDF statements and Excel-compatible CSV amortization schedules directly from your phone. Share with banks or clients.
Instant Calculations
Results update in real-time as you type, with zero lag. Quick-tap rate preset chips (1.25%, 1.5%, 2%, 2.5%, 3%) for lightning-fast input.
See the App in Action
Clean OLED dark theme, quick rate chips, exact calendar date pickers, and instant calculation history recall.
Simple Interest (Vaddi)
Exact date pickers · Rate presets · Monthly/Yearly toggle
EMI / Loan Calculator
Amortization schedule · Principal vs Interest split
Chit Fund Calculator
Auction setup · Agent commission · Member dividend
Compound Interest
5 compounding frequencies · AER rate · Start & End dates
All 16 calculators, completely free. No ads. No internet needed.
Frequently Asked Questions
Everything you need to know about Finance Calculator.
Yes — Finance Calculator is 100% free to download and use, forever. There are no in-app purchases, no subscriptions, no premium tiers, and absolutely no ads. All 16 calculators are fully unlocked the moment you install.
Absolutely. Finance Calculator works 100% offline. All calculations are performed locally on your device. You don't need Wi-Fi or mobile data for any feature — including calculation history, WhatsApp sharing, and PDF export.
The Simple Interest calculator uses the standard Indian lending (vaddi) method: Interest = Principal × Rate × Time. It applies the 30-day month / 360-day year convention used in informal lending. You can input rates as % per month or % per year, enter exact from-to calendar dates, and the daily accrual rate is also displayed.
Many car dealers and retail lenders quote a "flat rate" of 6–8% which sounds attractive — but is calculated on the original principal for the entire tenure, making it far costlier. Our tool converts the quoted flat rate into the equivalent reducing balance rate, revealing the true cost. A "6% flat" loan often equals ~11–12% reducing — a massive hidden markup.
Never. Finance Calculator has zero network access for your data. All calculation history is stored exclusively in your device's local storage. There are no analytics trackers, no external APIs, and no account creation required. Your financial information is completely private.
Yes! Every calculator has a 1-tap share button that generates a beautifully formatted text summary you can send via WhatsApp, SMS, or Email. For more formal use, you can also export official PDF reports and Excel-compatible CSV schedules directly from the app.
Ready to Make Smarter Financial Decisions?
Download Finance Calculator and keep 16 essential financial calculators at your fingertips — offline, always, with zero ads.
Free · No ads · Works offline · Android 6.0+