Behind the numbers
Honest money maths for India.
FinCalc Studio helps explain everyday money questions about SIPs, loans, tax and retirement with clear numbers and visible assumptions. No sign-up is required. Calculations run in your browser; shared URLs contain your inputs.
Page reviewed 2026-11-14
What makes FinCalc Studio different
We’re not selling you anything
Bank calculators want you to take their loan; fund-house calculators want you in their fund. We just do the maths: no lead forms, no follow-up calls, no product in your results.
Your numbers stay private
Calculations run in your browser and saved history stays on this device. Shared URLs contain your inputs and may appear in browser history or hosting logs. Share links and reports thoughtfully.
Built for India, in your language
Lakh and crore, not millions. Tax slabs for FY 2026-27. And the whole site, reports included, in Hindi as well as English.
Share with family in one tap
Copy the link, paste it on WhatsApp, and they see your exact calculation, ready to adjust. No screenshots, no “what numbers did you use?”
Works without internet
Once offline files are ready, all 9 calculators work without a connection. Check the offline-ready status before relying on them, and install FinCalc Studio for quick access.
Depth where it matters
Not just your EMI: every month of the loan, what a prepayment saves, how a yearly step-up grows your SIP, two options side by side, and exactly how your tax was worked out.
Made for everyday planning
FinCalc Studio is a free collection of 9 calculators for Indian users: SIP, PPF, SWP, retirement, income tax, EMI and home, car and personal loan EMI.
Use English or Hindi, view detailed breakdowns, share a calculation by link, prepare a report and save calculations in your browser. No account is required.
Created by Moolchand
Moolchand created FinCalc Studio to make useful financial calculations easier to understand and revisit.
The purpose is to explain the numbers and their assumptions. FinCalc Studio does not sell financial products or provide personalised financial, tax or investment advice.
Review and corrections
Moolchand is responsible for publishing FinCalc Studio and responding to corrections. Methodology links explain the current engine, assumptions and sources. Tax and PPF rule checks have their own dates, separate from method and copy checks.
The current method and copy checks are AI-assisted project reviews, not an independent professional financial review. A review date is the date of a real check, not an automatic build timestamp. Please report an error with the calculator name and steps to reproduce, without sending personal financial figures.
Report a calculation or content errorKnow what goes into your result
The calculators use consistent formulas and show the assumptions beside each calculation. Rates and future returns are inputs for a scenario, not promises or live product quotes.
A result is a starting point for planning. Check your actual loan terms, current scheme rules and individual tax position before making a decision.
Results are estimates for illustration only and are not financial, tax or investment advice.
Explore the calculators