# FD & EMI Calculator — Interest and loan calculator

> Interest and loan calculator (iPhone/iPad app by JOY SETH.)

- Source: https://appshunter.io/ios/app/fd-and-emi-calculator/id6769192505 (this page in markdown: same URL + `.md`)
- Developer: [JOY SETH](https://appshunter.io/developer/1873497129)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 27 MB
- Languages: American English
- Released: 2026-06-17
- Data updated: 2026-09-29

## What is FD & EMI Calculator?

FD & EMI Calculator is a premium, offline-first interest and loan planner designed exclusively for iPhone. Whether you are planning a fixed deposit (FD), estimating compound yield, tracking monthly Recurring Deposits (RD), or scheduling home/car loan payments, this utility gives you instant, offline calculations with zero data tracking.

Core Features:

• FIXED DEPOSITS (FD): Calculate simple interest yields, total maturity value, and standard returns on lump-sum investments.
• COMPOUND INTEREST: Project compound yields with custom compounding intervals, including monthly, quarterly (RBI standard), semi-annual, or annual compounding.
• RECURRING DEPOSIT (RD): Estimate targets for recurring monthly savings and plan long-term compound growth.
• LOAN EMI PLANNER: Calculate monthly EMIs, total interest, and total payout for Home, Car, Personal, or Education loans. 
• AMORTIZATION SCHEDULES: View a detailed monthly breakdown of your loan, including principal repayment, interest components, and remaining balance.
• LOCAL PAYMENT LOGS: Record actual payment dates and reference/receipt numbers locally on your device for future audit logs.

Why Choose Us?

• 100% OFFLINE PRIVACY: No internet connection required. All calculations, numbers, and saved entries remain strictly and securely inside your device storage.
• SECURE LOCAL REMINDERS: Enable alerts to receive local device reminders 3 days before, 1 day before, and on the due date of your EMI. No external push notification servers are used.
• SLICK & MODERN INTERFACE: An intuitive, responsive dark-themed interface built according to premium Apple design guidelines.
• ZERO AD CLUTTER & PURCHASES: Focus entirely on your wealth planning with a clean user experience.

DISCLAIMER: All calculations and schedules generated are for planning and informational purposes only. Consult a professional advisor before finalizing any financial commitments.

## Is FD & EMI Calculator safe?

Not enough ratings yet to assess FD & EMI Calculator.

## Is FD & EMI Calculator legit?

FD & EMI Calculator has limited verification signals. The AppsHunter Legitimacy Score for FD & EMI Calculator is 48 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 1.0.1 — 2026-07-11

Minor bug fixes, visual refinements, and user interface improvements.

### 1.0 — 2026-06-17

No release notes.

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## More apps by JOY SETH

- [AreWeOkay?](https://appshunter.io/ios/app/areweokay/id6758535649)

All apps by JOY SETH: https://appshunter.io/developer/1873497129

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-29.*