# FinCal: EMI & SIP Calculator — FinCal: Smart Loan & SIP Calc

> FinCal: Smart Loan & SIP Calc (iPhone/iPad app by The CodeYogi.)

- Source: https://appshunter.io/ios/app/fincal-emi-and-sip-calculator/id6810736729 (this page in markdown: same URL + `.md`)
- Developer: [The CodeYogi](https://appshunter.io/developer/1858217755)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.0 · 24 MB
- Languages: American English
- Released: 2026-09-22
- Data updated: 2026-10-26

## What is FinCal?

Looking for a fast, accurate EMI calculator and SIP investment planner? FinCal is the complete financial calculator suite designed to plan loans, grow wealth, and manage business finances with ease.

Whether calculating home loan EMIs, projecting mutual fund SIP returns, computing GST, or creating client-ready PDF invoices, FinCal delivers lightning-fast calculations with intuitive visual charts and complete data privacy.

CORE FINANCIAL TOOLS AND CALCULATORS

1. LOAN AND EMI CALCULATORS
- Home Loan and Personal Loan EMI: Instant calculation of monthly EMI, total interest payable, and total cost of borrowing.
- Loan Prepayment Calculator: Discover how extra monthly or lump-sum prepayments drastically reduce loan tenure and save interest.
- Side-by-Side Loan Comparison: Compare two loans simultaneously across interest rates, processing fees, and tenures.
- Amortization Schedule: Detailed monthly and annual repayment schedules with principal vs. interest breakdown and PDF export.
- Loan Eligibility Calculator: Calculate maximum borrowing power based on net monthly salary and existing obligations.

2. INVESTMENTS AND WEALTH PLANNING
- SIP Calculator (Systematic Investment Plan): Estimate future returns, wealth gain, and maturity corpus with annual Step-Up SIP support.
- Lumpsum Investment Calculator: Calculate long-term compound growth for one-time mutual fund investments.
- SWP Calculator (Systematic Withdrawal Plan): Plan regular monthly income payouts and assess remaining investment balance.
- CAGR and Absolute Returns: Measure annual compound growth rate across stocks, mutual funds, and assets.
- Rule of 72 Calculator: Estimate how many years it takes to double your investment at a given interest rate.

3. BANKING AND GOVERNMENT SCHEMES
- Fixed Deposit (FD) Calculator: Calculate interest earned and maturity value for cumulative and periodic payout FDs.
- Recurring Deposit (RD) Calculator: Plan systematic monthly deposits with compound bank interest.
- PPF Calculator (Public Provident Fund): Calculate 15-year tax-free wealth accumulation and annual interest growth.
- Post Office MIS: Calculate monthly payouts under the Post Office Monthly Income Scheme.
- Simple and Compound Interest: Calculate exact interest with flexible compounding frequencies (annual, semi-annual, quarterly, monthly).

4. BUSINESS, TAX AND COMMERCE UTILITIES
- Professional GST Calculator: Add or remove GST instantly with clear CGST, SGST, and IGST breakdowns.
- Profit Margin and Markup: Compute gross profit margins, cost price, and markup percentages for retail and commerce.
- In-Hand Salary Calculator: Calculate net take-home pay after EPF, HRA, and professional tax deductions.
- Physical Cash Counter: Count currency notes and denomination values with quick total tally and clipboard copy.
- Real-Time Currency Converter: Live exchange rates for 150+ international currencies.

5. INSTANT PDF INVOICE GENERATOR
- Professional Invoicing: Generate clean, client-ready invoices directly from your mobile device.
- Business Profile and Branding: Add company details, GSTIN/Tax ID, client billing addresses, and invoice dates.
- Itemized Billing: Add products and services with quantity, unit prices, discounts, and automated tax calculations.
- Instant Share: Export lightweight, beautifully styled PDF invoices and share directly via WhatsApp, Email, or Print.

PRIVACY-FIRST AND USER EXPERIENCE
- 100% Private: All calculations happen locally on your phone. No sign-up, no login, and no personal financial data collection.
- Completely Offline: Access every calculator and invoice generator anytime without an active internet connection.
- Premium Glassy Design: Clean modern aesthetics with fluid charts, dark/light compatibility, and responsive typography.

Download FinCal - your smart financial calculator and wealth companion!

## Is FinCal safe?

Not enough ratings yet to assess FinCal.

## Is FinCal legit?

FinCal: EMI & SIP Calculator appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for FinCal is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-09-22

No release notes.

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All apps by The CodeYogi: https://appshunter.io/developer/1858217755

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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 2026-10-26.*