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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.
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: Visualize your loan balance, interest vs principal breakdown, and savings potential with beautiful, interactive charts.
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.
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 →