Finance tools, with the assumptions in view.
SumHatch Finance is a free collection of calculators for India and the United States. It works without an account. The tools estimate SIP growth, cumulative deposits, loan EMIs, US mortgages, fixed-rate loan repayment, and compound interest.
Read the convention before comparing
Our SIP model converts an effective annual return to monthly growth and offers beginning or end-of-month contributions. Compound interest and deposit tools use a nominal annual rate with a selected compounding frequency. Loan tools use a fixed nominal annual rate with monthly reducing-balance interest and end-of-month payments.
These distinctions matter. Two calculators can give different totals when contribution timing, fees, or rate conventions differ. Each tool explains its formula and gives a worked example so that you can check a simple case before exploring a longer projection.
What these tools do not do
We do not recommend investments, predict market returns, provide a lender quotation, or calculate personal tax liability. Inputs for rates and costs are supplied by you. They are not live bank rates. Our mortgage tool does not determine PMI eligibility or cancellation. Our loan tools do not model floating-rate resets, daily interest, or lender charges.
Regional pages
The homepage uses Cloudflare's country estimate to send Indian connections to the India edition and all other or unknown connections to the US edition. An explicit country or calculator link always keeps its stated currency and model. Country detection is approximate and is not evidence of residence or tax status.
Your calculation stays with you
The interactive calculations run in your browser. We do not send your amounts to a calculation service, place them in page URLs, or attach them to analytics. Downloaded CSV files are created on your device. Closing or reloading the tab clears the comparison and input state.
Checking the models
We test zero-interest cases, contribution timing, step-ups, repayment totals, final balances, and early repayment, alongside regional routing, accessibility, and browser interaction. Public background sources appear on the individual calculator pages. Automated checks are useful, but a simplified model cannot reproduce every financial product's contract.