Free AI-Powered Financial Calculators — Mortgage, EMI, SIP & More
FinCalc provides free, accurate financial calculators for mortgage payments, home loan EMI, auto loans, personal loans, SIP mutual fund returns, GST calculations, income tax planning, and more. Used by people across USA, UK, UAE, Canada, Australia, and India to make smarter financial decisions every day.
Browse All 30+ Calculators →About FinCalc — Your Free Financial Planning Partner
FinCalc is a free, AI-powered financial calculator platform founded by Maulik Kumbhani in 2023. Our mission is simple: make professional-grade financial calculations accessible to everyone — for free. Whether you are a first-time homebuyer trying to understand your mortgage, an investor planning your SIP returns, a business owner calculating GST, or an employee understanding your salary breakdown — FinCalc has a tool for you.
All our calculators use industry-standard formulas verified against official bank calculators. The EMI formula we use — [P × R × (1+R)^N] / [(1+R)^N - 1] — is the same reducing-balance amortization formula adopted by all major banks globally including SBI, HDFC, Chase, Barclays, and HSBC. Our results match what your bank will show you.
We serve users in USA, UK, UAE, Canada, Australia, and India with region-specific tools including US mortgage calculators with PMI, UK mortgage calculators with Stamp Duty Land Tax, India home loan calculators with Section 80C tax benefit guidance, and UAE home finance calculators with EIBOR rate context.
Our Most Popular Financial Calculators
Home Loan EMI Calculator
Calculate your monthly home loan EMI, total interest payable, and full amortization schedule. Works for India, UAE, USA, and UK.
Mortgage Calculator
Calculate US and UK mortgage payments including PITI, PMI, and property taxes. Get a complete 30-year amortization table.
EMI Calculator 2026
Universal EMI calculator for any loan type. Supports home loans, auto loans, personal loans, and business loans with yearly and monthly schedules.
Auto Loan Calculator
Calculate your monthly car payment with trade-in value and down payment. See total interest and the complete repayment schedule.
Personal Loan Calculator
Instantly calculate your personal loan EMI, total repayment cost, and compare multiple loan offers side by side.
SIP Calculator
Calculate mutual fund SIP returns and see the power of compounding. Use the 15-15-15 rule to plan your wealth creation journey.
GST Calculator India
Add or remove GST from any amount instantly. Supports all GST slabs — 5%, 12%, 18%, and 28% — with CGST, SGST, and IGST breakdown.
Income Tax Calculator 2026
Calculate your India income tax under both Old and New Regime for FY 2026-27. Includes 80C, 80D, HRA, and NPS deductions.
Loan Comparison Tool
Compare two loan offers side by side. See which bank gives you the lowest total interest and best EMI for your financial profile.
Refinance Calculator
Should you refinance your mortgage or loan? Calculate your break-even point and total interest savings from switching to a lower rate.
Inflation Calculator
See how inflation erodes your wealth over time. Calculate future costs of education, retirement, and healthcare using India's real inflation rate.
Compound Interest Calculator
Harness the 8th wonder of the world. Calculate compound interest growth for FDs, PPF, bonds, and investment accounts with monthly or quarterly compounding.
Why Choose FinCalc?
Unlike other financial calculator websites filled with ads and inaccurate formulas, FinCalc was built by a financial engineer with a focus on accuracy, speed, and transparency. Here is what makes us different:
- Verified Accuracy: All formulas are cross-checked against official bank calculators and RBI/Federal Reserve standards.
- No Registration Required: Use all core calculators completely free, with no email or sign-up needed.
- Global Support: Region-specific tools for India, USA, UK, UAE, Canada, and Australia — not a one-size-fits-all calculator.
- AI-Powered Insights: After calculating, our AI advisor highlights key insights, risks, and money-saving strategies specific to your situation.
- Bank-Grade Security: Your financial data is processed on-device and never stored permanently without your explicit consent.
- Save & Export: Create a free account to save calculations, track history, and export professional PDF reports to share with your bank or advisor.
- Complete Amortization Schedules: Every loan calculator generates a full year-by-year and month-by-month repayment table.
- Interactive Charts: Visualise your loan balance, interest vs principal breakdown, and savings potential with beautiful, interactive charts.
Latest Financial Guides & Articles
Our expert-written guides help you understand the financial concepts behind each calculator:
- Home Loan EMI Calculator Guide India (2026) — How to Save Lakhs in Interest
- US Mortgage Calculator Guide (2026) — Calculate Monthly PITI Payments
- UK Mortgage Calculator — How Much Can You Borrow in 2026?
- Simple Interest Calculator Guide — SI Formula and Banking Returns
- Inflation Calculator — Protect Your Purchasing Power in India (2026)
- DSCR Calculator — Business Loan Approval Formula Explained
- US Auto Loan Calculator — How to Calculate Your Monthly Car Payment
- How to Pay Off Your Mortgage Early and Save Thousands in Interest
Loan & Mortgage Comparison Guides
Not sure which loan or mortgage type is right for you? Our side-by-side comparison guides help you decide:
Best Loan & Mortgage Rates (2026)
Compare the best interest rates from top lenders in your country:
Contact & Support
Have a question about our calculators, need technical support, or want to request a new financial tool? We are here to help.
- Email: help.financecalculator@gmail.com
- Response Time: Within 24 hours, Monday to Friday
- Contact Form: financecal.org/contact
FinCalc is developed and maintained by Maulik Kumbhani, a financial engineer and software developer. Our goal is to provide free, accurate, and privacy-respecting financial tools to everyone. Learn more about FinCalc →