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FinTruth

EMI & TAX Calculator · Precision Finance Toolkit

A transparent, precision-first financial toolkit designed to help you calculate complex loan EMIs, compare interest regimes, and estimate taxes — with zero hidden complexity.

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Core Features

What FinTruth offers

Every tool you need.
Nothing you don't.

📊
EMI Calculator

Calculate exact monthly installments for home loans, car loans, and personal loans. See full amortization schedules instantly.

Amortization Table
⚖️
Tax Regime Comparison

Compare old vs. new tax regimes side-by-side. Know exactly which regime saves you more before you file.

FY 2024–25
🧮
Income Tax Estimator

Enter your salary, HRA, deductions and get your estimated tax liability — with full breakdown per slab.

Slab Breakdown
📈
Interest Comparison

Compare flat rate vs. reducing balance interest methods. Instantly see the real cost difference between loan offers.

Flat vs Reducing
🔍
Zero Hidden Logic

Every calculation shows you how the number was arrived at. No black boxes — full formula transparency at every step.

Full Transparency
📴
Offline First

Works entirely offline. No login, no account, no data collection. Your financial data stays on your device.

No Internet Needed
Calculator Preview

Built-in Tools

Everything
in one place.

EMI Calculator
Principal · Rate · Tenure
Loan Amortization
Month-wise principal + interest split
Income Tax Calculator
Old regime vs New regime
Interest Type Comparator
Flat rate vs reducing balance
Prepayment Analyzer
Interest saved · Tenure reduced
EMI Calculation
// FinTruth — EMI Result
 
principal ₹ 25,00,000
rate 8.5% p.a.
tenure 20 years
 
─────────────────────
monthly EMI ₹ 21,734
total paid ₹ 52,16,160
interest ₹ 27,16,160
─────────────────────
 
// Amortization: Month 1
principal ₹ 4,484
interest ₹ 17,250
 
>
Why FinTruth

Our principles

Built on truth.
Not dark patterns.

01
Precision over approximation

Every EMI figure and tax amount uses exact financial formulas — no rounding shortcuts or "close enough" estimates.

02
Free, ad-supported.

FinTruth is completely free to use. It shows occasional ads to keep the app maintained and available at no cost to you — no paywalls, no premium tiers.

03
Your data stays with you

Everything runs locally on your device. We don't collect, store, or transmit your financial information anywhere.

04
Understand, don't just calculate

FinTruth shows the "how" behind every number — so you leave understanding your finances, not just getting a figure.

Start calculating
with clarity.

Download FinTruth free — no account, no setup, no nonsense.

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Privacy Policy
Legal

Privacy Policy

Effective Date: January 1, 2025  ·  Last Updated: January 1, 2025

Data We Collect

FinTruth does not collect, store, or transmit any personal or financial information. All calculations are performed locally on your device. We have no servers that receive your data.

Third-Party Services

FinTruth does not integrate with any third-party analytics, advertising, or tracking services. There are no SDKs embedded in the app that access your data.

Permissions

The app requests no sensitive device permissions. It does not access your contacts, location, camera, microphone, or any personal data stored on your device.

Contact

If you have any questions about this privacy policy or the app, please contact us at appsvibedot@gmail.com. We aim to respond within 48 hours.