Fincal: Loan & Interest Calc

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About this app

Plan loans and grow your savings with clear charts. Compare repayment methods, see the real interest rate, and test early payoff - 100% offline and private.

Fincal makes everyday money decisions simple. Whether you're taking out a loan or growing your savings, Fincal turns your numbers into clear answers and easy-to-read charts.

LOANS
• Compare three repayment styles: equal principal, equal instalment, and flat rate.
• See the real effective interest rate (APR), so a "low" flat rate can't fool you.
• Handle interest rates that change over time.
• Plan early repayments and instantly see how much time and money you save.
• View a full amortization schedule, grouped year by year.

SAVINGS & COMPOUND INTEREST
• Project how your money grows with regular contributions.
• See a clear growth chart and a year-by-year breakdown.

STAY ORGANIZED
• Every calculation is saved automatically.
• Keep your favorite scenarios to revisit anytime.
• Share any result as an image.

PRIVATE BY DESIGN
• The amounts you enter never leave your device.
• No account, no sign-up - works fully offline.

Whether you're comparing a mortgage, a car loan, or a personal loan, planning prepayment, or projecting savings and compound interest, Fincal keeps it clear.

Light and dark themes included.
Fincal is free.

Note: Fincal is a calculator for personal planning and does not provide financial advice.

What’s new

Small fixes and improvements to keep Fincal running smoothly. Thanks for using Fincal!