Finacolada

About Finacolada

Finacolada is a set of free calculators for everyday money questions in India: how a monthly SIP grows, what a home loan really costs, and how long a retirement corpus lasts. This page explains what the project is, what it is not, and how the numbers are produced.

What Finacolada is

Finacolada is an independent educational project. It is not a bank, broker, insurer, mutual fund distributor or investment adviser. It sells no financial products, carries no affiliate links and does not recommend any fund, bank or scheme.

The calculators cover savings and deposits, investing, government schemes such as PPF, Sukanya Samriddhi, NSC and EPF, loans and prepayment, and retirement and FIRE planning. Each calculator gives a one-sentence answer, a chart, a table of the numbers behind it, and a list of the assumptions it used.

Why it is free, with no ads and no sign-up

The tools are meant to be checked, not sold. Advertising and product referrals would pull the answers towards whatever pays best, so Finacolada keeps the calculators neutral. A sign-up wall would ask for personal details before you can see a number, and there is nothing a calculator needs to know about you to do its sums.

You can use every calculator without creating an account, and nothing is stored on a server between visits.

How the calculators are built

  • Calculations run in your browser. The numbers you type are processed on your device. They are not sent to a server. See the privacy policy for the details.
  • Assumptions are visible. Each calculator states the return, inflation, tax and timing assumptions it uses. You can change most of them.
  • Government rates live in one place. Each scheme rate has an effective date, the date it was last checked and the source. The current scheme rates page shows them.
  • Formulas are tested. The calculation code has automated tests that compare results with worked examples. The methodology page explains each convention in plain language.
  • Limits are written down. Where a rule is unverified or a model is simplified, the page says so instead of hiding it.

Where the name comes from

“Fina” is for finance. “Colada” is a light nod to the piña colada: the pineapple is the colour of the site’s accent, and a bit of holiday mood helps with a subject that rarely feels relaxing. The name says nothing about any drink, brand or company beyond this project.

Who is behind it

Finacolada is a personal, independent project. The site has no staff photos, testimonials, endorsements or sponsored content. Nobody is quoted here because nobody needs to be trusted for the numbers to be checked. Each formula is written out, and each assumption is visible for you to change.

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