ArthaCalc:Financial Calculator

SIP, EMI, FD, PPF & Loan Calculator for India with LTCG Tax & Dream Home Plan

ArthaCalc is a fast, all-in-one financial calculator designed exclusively for India. Whether you are planning SIP investments, checking your home loan EMI, estimating FD maturity, or building a roadmap for your dream home, ArthaCalc gives you accurate results with actionable insights — not just numbers.

What makes ArthaCalc different?

Most financial calculator apps stop at basic results. ArthaCalc goes further. The SIP calculator shows your estimated returns along with a full Long-Term Capital Gains (LTCG) tax breakdown — including the 12.5% tax on equity gains above ₹1.25 lakh, the post-tax in-hand corpus, and the inflation-adjusted value in today's purchasing power. No other calculator gives you this complete picture.

Calculators included:

SIP Calculator — Systematic Investment Plan returns with LTCG tax, post-tax corpus, and inflation-adjusted value.
SWP Calculator — Plan your Systematic Withdrawal Plan for regular income from mutual fund investments.
EMI Calculator — Quickly calculate Equated Monthly Installments for home loans, personal loans, car loans, and education loans.
FD Calculator — Fixed Deposit maturity amount with interest breakdowns.
RD Calculator — Recurring Deposit returns over your chosen tenure.
PPF Calculator — Public Provident Fund projections for long-term, tax-free savings.
CAGR Calculator — Measure the Compound Annual Growth Rate of any investment.
Inflation Calculator — Understand how inflation erodes your money over time.
Simple Interest Calculator — Basic interest calculations for quick reference.
Lumpsum Calculator — One-time investment returns with compounding projections.
and more coming.

Goal-Based Planning:

Dream Home Planner — Enter today's property price, set your timeline, and get the future home price with inflation. ArthaCalc then calculates exactly how much SIP you need monthly or how much lumpsum you need today to reach your goal. Includes detailed insights like savings growth projection, amount still needed, and pro tips for metro property planning.

Home Loan Prepayment Calculator — Already have a home loan? Enter your outstanding principal, interest rate, remaining tenure, and add multiple prepayment scenarios. See how prepayments reduce your total interest and shorten your loan tenure. Supports both floating and fixed rate loans.

Currency Converter — Live exchange rates sourced from the European Central Bank (ECB). Convert between USD, INR, EUR, GBP, and more. Includes an effective rate calculator to check what rate you actually received from your bank or money transfer service.

Built for India:

ArthaCalc is designed with the Indian user in mind. Choose between English and Hindi. Pick a light or dark theme. All numbers are displayed in the Indian format with lakhs and crores — no confusing millions and billions. The app uses Indian tax rules, exemption limits, and financial schemes that are actually relevant to you.

Why choose ArthaCalc?

- Post-tax, inflation-adjusted results — see what your money is really worth
- Dream Home and financial goal planning with actionable SIP and lumpsum options
- Home loan prepayment analysis with multiple prepayment scenarios
- Live currency conversion with effective rate checker
- Clean, fast, modern interface — no clutter, no ads interrupting your calculations
- Works offline — all calculators function without an internet connection (except currency converter)
- Supports Hindi and English
- Number format options
- Dark mode and light mode

ArthaCalc is the financial calculator app that helps you plan better, invest smarter, and understand the real value of your money. Download now and take the first step toward your financial goals.