Flat vs Reducing Rate: How EMI Really Works
Why two loan quotes with the same headline rate can cost very different amounts: how flat and reducing-balance rates convert, where each EMI goes, and what prepaying changes.
Related tool: EMI Calculator
Financial & Investment Calculators
Loans, interest, tax, and investment growth calculators for planning purchases, EMIs, and savings.
EMI Calculator
Monthly loan installment, total interest, and a full repayment schedule.
Mortgage Calculator
Monthly mortgage payment with taxes, insurance, and HOA, plus a full amortization schedule.
SIP Calculator
Project how a monthly mutual fund investment could grow with compounding.
Compound Interest Calculator
See how a lump-sum investment grows over time with compound interest, and how much of the final value is interest.
Simple Interest Calculator
Calculate interest charged or earned on a principal amount at a fixed rate, with no compounding.
GST Calculator
Add GST to a base price, or work backward from a GST-inclusive price to find the original amount and tax — with the CGST/SGST or IGST split.
FD Calculator
Work out the maturity value of a fixed deposit, with the compounding frequency your bank actually uses.
RD Calculator
Work out the maturity value of a recurring deposit, using the same quarterly-compounding formula banks use.
PPF Calculator
Estimate your Public Provident Fund maturity value across a 15-year term, year by year.
Compound Interest Calculator with Monthly Contributions
See how an initial amount plus regular monthly contributions grows with compound interest, and how much of the final balance is interest.
Mortgage Affordability Calculator
Estimate the home price you can afford from your income, debts and down payment, using standard housing and debt-to-income ratios.
Retirement Savings Calculator
Project your savings at retirement from your age, current savings and monthly contributions, and see the income it could support in today's money.
Inflation Calculator
See what an amount will cost in the future, or what it was worth in the past, at a given yearly inflation rate.
Savings Goal Calculator
Find how much to save each month to reach a target amount by a deadline, allowing for interest on your savings.
Loan Payoff Calculator with Extra Payments
See how much sooner you pay off a loan, and how much interest you save, by adding an extra amount to each monthly payment.
Loan Affordability Calculator
Estimate the maximum loan amount you could reasonably afford based on your income and existing obligations — the reverse of an EMI calculator.
Finance guides
All guidesSIP Projections Explained: What Is Assumed
What a SIP projection assumes (a constant return, payment timing, no costs), how nominal and effective rates differ, and why real returns move around.
Related tool: SIP Calculator
GST Calculations Explained: Inclusive vs Exclusive
Adding and removing GST correctly, the common mistake with inclusive prices, and when the tax splits into CGST and SGST versus IGST.
Related tool: GST Calculator
Compound vs Simple Interest and the Rule of 72
How simple and compound interest differ, why compounding frequency and the effective rate matter, and how far the Rule of 72 can be trusted.
Related tool: Compound Interest Calculator
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