FinCalc is your all-in-one personal finance calculator: mortgage, tax, FIRE, inflation and more. No account, offline, one-time payment.

—— HOUSING CALCULATORS ——

🏠 Mortgage calculator — monthly payment, full amortization table, fixed / variable / mixed rate, and extra repayments (monthly + lump sum). Compare up to 3 mortgages side by side (Pro).

🏠 Max mortgage — how much mortgage can I afford? Computes your real borrowing capacity from income, savings, age and rate. Tells you which factor limits you (income / age / savings).

🏠 Housing savings — how much and how long until you save your down payment. Target mode: pick a year, get the required monthly contribution.

🏠 Rent vs buy — the definitive 30-year comparison. Net worth in each scenario, year when buying overtakes renting, interactive chart.

—— TAX & COST OF LIVING ——

🧾 Spain income tax (IRPF) — full calculator with 2025 state brackets + the actual autonomic scale for each of the 17 Spanish regions. Gross to net monthly and annual, bracket breakdown, effective and marginal rates.

📉 Inflation — historical equivalence of money with CPI data 1980–2025 (Spain, USA, UK). Loss of purchasing power in real terms.

—— INVESTMENT & RETIREMENT ——

📈 Compound interest — classic mode ("how much will I have") and target mode ("how much do I need to contribute to reach X"). Monthly contributions, daily/monthly/quarterly/annual compounding, inflation adjustment.

🔥 FIRE (Financial Independence Retire Early) — classic, Coast FIRE, Lean FIRE and Fat FIRE. Compute your FIRE number, years to financial independence, and a Pro comparator across all 4 variants.

📊 ROI — absolute ROI, CAGR, inflation-adjusted real returns, dividends.

—— WHY FINCALC? ——

✓ 100% offline — works on a plane, on the subway, anywhere
✓ No account, no sign-up, no email
✓ Your data never leaves your device
✓ English and Spanish, dark and light mode
✓ One-time $3.99 payment — no subscription, no recurring charges

—— FINCALC PRO ——

The free app is already very complete. Pro adds:
• Unlimited saved calculations
• Scenario comparator (mortgages, strategies, FIRE variants, Spanish regions)
• PDF export of financial reports
• Annual income tax and 30-day mortgage recalc reminders
• Full charts and tables
• No ads

One-time $3.99 payment. Once, forever. No subscription.

—— ABOUT THE DATA ——

Spanish income tax tables and CPI indices are indicative as of 2025. FinCalc is not a substitute for professional financial advice or for consulting the Spanish tax authority.

Data collected: none. FinCalc is a local calculator with no analytics, no tracking, no data transmission.