Sumcraft: EMI, SIP & GST Calc

Sumcraft is a money calculator for loans, investments and GST. Work out a loan EMI, a SIP's future value or the GST on a bill in seconds, with the formula shown under every answer. It has 32 money and financial calculators and an everyday calculator with GST keys, and it works in lakh and crore or in thousands and millions, with ₹, $, € or £. There's no account and no ads, and your numbers stay on your phone. EVERYDAY CALCULATOR WITH GST KEYS • Big display with a live preview, correct precedence, brackets, ± and memory (MC, MR, M+, M−) • Percent the way you expect: 200 + 10% = 220 • +GST and −GST keys with the CGST and SGST split. Pick 5%, 18%, 40%, 3% on gold, or any rate • Press = again to repeat the last step • History tape: reuse a result, edit or copy an expression, or share the whole tape • Indian grouping (1,00,000) or international (100,000), with "₹ 12.5 lakh" or "1.25 million" under big numbers • Full precision, so chained calculations don't drift LOANS • EMI calculator for home, car and personal loans, with a year-wise table and the full monthly schedule • Loan prepayment: cut your tenure or your EMI, with a one-time, yearly or monthly part-payment • Compare two loan offers side by side: EMI, interest, processing fee with GST, total cost and APR • Flat vs reducing rate: see the real interest rate behind a flat-rate quote • Loan eligibility: how big a loan your take-home pay supports after existing EMIs INVESTMENTS AND SAVINGS • SIP calculator with annual step-up, lumpsum, SWP and CAGR • XIRR for SIPs and irregular cash flows. Fill a whole monthly SIP in one step • FD with Indian bank quarterly compounding, RD and PPF • Government small-savings schemes: SSY, SCSS, NSC, KVP, Post Office MIS and Post Office Time Deposit. Each rate shows the quarter it applies to, so you know when to check it • Goal SIP, retirement corpus and inflation impact TAX AND BUSINESS • GST calculator: add or remove GST, with CGST, SGST and IGST • Breakeven and profit margin (margin vs markup) FINANCIAL WORKSHEETS FOR STUDENTS • TVM solver: solve N, I/Y, PV, PMT or FV, with P/Y, C/Y and BGN/END • Cash flows: NPV, IRR (all of them, when there is more than one), MIRR, payback and discounted payback • Amortization for any range of payments • Bond price, yield to maturity, accrued interest and duration • Interest rate conversion, depreciation (straight-line, declining balance, WDV) and date difference with day counts Friendly forms instead of key sequences, with the conventions explained in plain English. RESULTS YOU CAN UNDERSTAND, SAVE AND SHARE Results come with a headline number and, where they help, charts and year-wise tables. Every calculator has a "How is this calculated?" section. Share a result as an image or as text, export any table or schedule as a CSV file for your spreadsheet, and save calculations by name. Search and sort your saved list, or update a saved calculation when your loan offer changes. PRIVATE AND OFFLINE No account, no sign-up, no ads, no analytics and no tracking. Sumcraft makes no network requests, so every calculation runs on your phone and everything you save stays there. Export a backup file whenever you like and restore it on a new phone. Settings › Delete all data erases everything. MADE TO BE EASY TO USE Dark and light themes (or follow your phone), text that grows with your font size, screen-reader labels and actions throughout, and colours that meet WCAG AA contrast. Accuracy matters: every calculation uses 40-digit decimal maths and is checked against reference values. For example, a ₹10 lakh loan at 8.5% for 20 years has an EMI of ₹8,678.23. Sumcraft gives estimates for planning and learning. It is not financial advice, it doesn't offer loans or investments, and it isn't affiliated with any bank or government body. Rates change, so always check the current rate with your bank or the official source. Questions or ideas? Write to [email protected].

Welcome to Sumcraft! Work out a loan EMI with the full schedule, compare two loan offers with fees and APR, and see the real rate behind a flat quote. Plan SIPs, check XIRR, FD, PPF and Post Office scheme returns with dated rates, and add or remove GST on the everyday calculator. TVM, NPV, IRR, bond and depreciation worksheets for students. Save, share, export CSV, back up and restore. No account and no ads: everything stays on your phone.