Question 1

Are my financial inputs stored on any server?

Accepted Answer

No. All SIP, EMI, and compound interest calculations execute 100% inside your browser using Big.js precision math. Nothing you type into a calculator is ever transmitted to our servers or third parties.

Question 2

Why do I need to sign up if the calculators are local?

Accepted Answer

Sign-up is completely optional — all calculators work anonymously. An account only lets you save favourite scenarios and access personalised recommendations. We store only your name, email, and a bcrypt-hashed password (never plaintext).

Question 3

What password rules do you enforce?

Accepted Answer

Minimum 10 characters, with at least one uppercase, one lowercase, one number, and one symbol. Passwords are hashed with bcrypt (cost factor 12) and are never logged, stored in plaintext, or transmitted after signup.

Question 4

How are you protected against brute-force attacks?

Accepted Answer

We enforce IP-based rate limiting (10 login attempts per 15 minutes) plus email-based soft lockouts (8 failed attempts triggers a 30-minute cool-off). Login responses use timing-jitter to prevent user-enumeration via response-time analysis.

Question 5

Which credit card is best for a total beginner?

Accepted Answer

For most beginners we recommend the Amazon Pay ICICI card — it is lifetime-free, requires only a modest income, and gives up to 5% back on Amazon. If you have no credit history at all, the Kotak 811 (issued against a fixed deposit) is an easy approval.

Question 6

Is SIP really better than a Lumpsum investment?

Accepted Answer

Not always. Historically, on 10+ year Nifty holding periods, lumpsum has beaten equivalent SIP roughly 66% of the time — markets go up more often than they go down. But SIP wins on discipline and reduces regret when markets fall. A Systematic Transfer Plan (STP) gives you the best of both.

Question 7

Do the calculators handle very large numbers precisely?

Accepted Answer

Yes. We use Big.js for arbitrary-precision decimal arithmetic, which eliminates the classic JavaScript floating-point drift (e.g. 0.1 + 0.2 !== 0.3). Numbers are rounded only at the display layer.

Question 8

Do you use cookies or trackers?

Accepted Answer

We use exactly one HTTP-only, Secure, SameSite=Lax cookie to store your authenticated session (only after you sign in). Everything else is client-side localStorage for your theme preference and cookie-consent state. No analytics or ad trackers are loaded into the code path that handles your financial inputs.

Question 9

What security headers does this app send?

Accepted Answer

X-Frame-Options: DENY, X-Content-Type-Options: nosniff, Referrer-Policy: strict-origin-when-cross-origin, HSTS (2 years, preload-ready), and a locked-down Permissions-Policy. Auth cookies are httpOnly + Secure + SameSite=Lax to defend against CSRF and XSS session theft.

Question 10

Can I use the calculators offline?

Accepted Answer

After the first load, most of the app is cached by the browser and works with degraded connectivity. Authentication requires network, but the calculators themselves do not.

Question 11

Is this financial advice?

Accepted Answer

No. Quickfincalc provides mathematical modelling tools for personal projection only. Actual returns depend on market conditions, taxes, and fees not captured in a simple model. Always consult a SEBI-registered advisor before major decisions.

Question 12

How often do you update credit card information?

Accepted Answer

Reward structures and fee waivers change frequently. Our card grid is refreshed periodically, but we strongly recommend verifying current terms on the issuer’s official website before applying.

Plan smarter. Compound faster.

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Best Cards for Beginners

SBI SimplyCLICK

HDFC Millennia

Axis Bank ACE

Amazon Pay ICICI

IDFC FIRST Select

Kotak 811 #DreamDifferent

Frequently Asked Questions

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