Fincal Fincal

Make confident money decisions.

Fincal is a free loan and compound-interest calculator that turns your numbers into clear answers and charts — and keeps everything private on your device.

GET IT ON Google Play DOWNLOAD ON THE App Store
Fincal home screen with the loan and compound calculators

Everything you need to plan with confidence

01

See the true cost of any loan

Compare equal-principal, equal-instalment, and flat-rate loans side by side — and see the real effective rate, so a “low” flat rate can't fool you.

Loan input with the three repayment methods
02

Plan around real life

Handle interest rates that change over time, add early repayments, and instantly see how much time and money you save.

Loan result with donut and bar charts and prepayment savings
03

Watch your savings grow

Project compound growth with regular contributions and a clear year-by-year breakdown.

Compound interest result with growth chart
04

Keep a record

Every calculation is saved automatically, so you can reopen and tweak it anytime.

History list with several saved calculations
05

Save your scenarios

Keep favourite setups as named scenarios and compare them side by side — all fully offline, no account, your amounts never leave your phone.

Saved scenarios list with named scenarios

Feature highlights

  • Loan calculator: equal-principal · equal-instalment · flat-rate, with the real effective rate.
  • Changing interest rates and early-repayment planning (shorten the term or lower the payment).
  • Compound interest with regular deposits and a growth chart.
  • Clear donut, bar and growth charts; year-by-year schedules.
  • Automatic history and saved scenarios.
  • Share any result as an image.
  • Light and dark themes; follows your phone's language.
  • 100% offline. No account required.

Frequently asked questions

Is Fincal free?
Yes. It's free and supported by ads.
Do I need an account?
No. There's no sign-up and no login.
Does it work offline?
Yes — everything runs on your device.
Are my numbers sent anywhere?
No. The figures you enter stay on your phone.
Which loans can it handle?
Equal-principal, equal-instalment and flat-rate loans, including rate changes over time and early repayments.

Smart, private finance math — right on your phone.

GET IT ON Google Play DOWNLOAD ON THE App Store