Finance & Loans
Borrowing is arithmetic that runs for decades, which is why small differences in rate or tenure end up being large differences in money. These tools show the whole schedule rather than the monthly figure alone. The split between interest and principal is usually the part that changes a decision.
Loans
EMI CalculatorWork out the EMI on any loan, see the full month-by-month schedule, and find out how much of your money goes to interest rather than to the debt.Reverse EMI CalculatorStart from the EMI you can afford and work backwards to the loan it supports. This is the question most borrowers actually have, and most calculators make you guess at it.Loan Tenure CalculatorHow long a loan takes to clear at a given payment. If the payment does not cover the first month's interest, the tool says so rather than returning an impossible number.Loan Interest Rate CalculatorRecover the interest rate a lender is actually charging from the loan amount, the EMI and the term. Useful when a quote gives you a payment but is vague about the rate.Loan Prepayment CalculatorWhat a lump-sum prepayment actually buys you, and which of the two options (keep the EMI and shorten the tenure, or keep the tenure and cut the EMI) saves more.Loan Amortization ScheduleThe full amortisation schedule for a loan. Every instalment split into interest and principal, with the running balance and a downloadable table.Loan Balance Transfer CalculatorWhether moving a loan to a cheaper lender is worth the fees, holding the term constant so the rate is the only variable. Late in a loan there is little interest left to save.Loan Eligibility CalculatorHow much a lender will advance, working backwards from the payment your income supports. The tenure does most of the work, and stretching it buys a larger loan at a large cost in interest.Personal Loan EMI CalculatorEMI on an unsecured personal loan. Rates run well above secured lending, so the total interest on even a short term is substantial, the schedule below shows how much.Education Loan EMI CalculatorEMI on an education loan once repayment begins. Most education loans have a moratorium during study, and interest accruing in that window is handled by the moratorium calculator.Gold Loan CalculatorEMI on a gold loan. Rates sit between secured and unsecured lending and tenures are short, so most of the cost is visible within the first year.Loan Against Property CalculatorEMI on a loan secured against property. Longer tenures and lower rates than an unsecured loan, and the same reducing-balance arithmetic as a mortgage.Business Loan EMI CalculatorEMI on a term business loan, with the schedule you need for a cash-flow projection rather than just the monthly figure.Working Capital Loan CalculatorEMI on a working-capital term loan. Short tenures at commercial rates. The schedule matters more than the monthly figure when you are matching it to a receivables cycle.Overdraft Interest CalculatorOverdraft cost including fees. Fixed fees make short overdrafts far more expensive than the interest rate suggests, and a few days at a flat fee can annualise into triple digits.Flat vs Reducing Interest Rate CalculatorA flat rate charges interest on the original principal for the whole term, whatever you have repaid. This works out what that actually costs as a reducing-balance rate. For an 8% flat loan over five years, 14.13%.Effective Annual Rate CalculatorThe one number that makes two differently-compounded rates comparable. This is the whole content of the APR-versus-APY question.Extra Payment CalculatorWhat paying a little more each month actually buys you. On a 20-year home loan an extra ₹5,000 clears it more than four years early and saves close to ₹14 lakh in interest.Interest-Only Loan CalculatorAn interest-only loan and the payment jump when principal starts. The balance does not fall by a rupee during the interest-only period, which is the whole risk.Loan Late Fee & Penal Interest CalculatorPenal interest on an overdue amount. Indian regulation requires penal charges on loans to be levied as flat charges rather than capitalised into the rate, which changes how they accumulate.Moratorium Interest Impact CalculatorWhat an interest-only holiday actually costs. Unpaid moratorium interest is added to the loan, so repayment starts on a larger balance than the amount that was disbursed.Loan Foreclosure Charges CalculatorWhat closing a loan early costs against what it saves. On a floating-rate loan to an individual, Indian regulation prohibits a foreclosure charge at all, which makes the comparison one-sided.EMI in Advance vs Arrears CalculatorPaying at the start of the month against the end. Advance payments are lower because each one has an extra month to work, which is the annuity-due convention.
Mortgage
Home Loan EMI CalculatorCalculate the EMI on a home loan, see the full amortisation schedule, and find out what proportion of two decades of payments is interest.Rent vs Buy CalculatorRent against buy over the years you will actually stay, comparing net worth rather than monthly outgo. The honest comparison invests the down payment and every monthly difference, which is the step most versions of this skip.Home Loan Tax Benefit CalculatorWhat a home loan saves in tax across both sections, and how much of it is wasted. Principal competes with provident fund inside one 80C limit, so the second half of the benefit often does not exist.
Auto
Car Loan EMI CalculatorEMI on a car loan, with the schedule and the total interest. Vehicle loans are short and front-loaded, so the interest share is smaller than a mortgage but the rate is usually higher.Car Affordability CalculatorWhat car a payment supports, with running costs shown alongside. Fuel, insurance, tax and servicing typically add most of the loan payment again, which is the part the showroom conversation leaves out.
Credit
Credit Card Interest CalculatorHow long a card balance takes to clear and what it costs, with the effective annual rate spelled out. A 3.5% monthly rate is not 42% a year, it is over 51%.Credit Card Minimum Payment PayoffHow long a card balance takes to clear and what a target date would cost. The first month of interest is shown, because a payment below it means the balance never falls at all.
Debt
Debt Snowball CalculatorThe snowball: clear the smallest balance first, then roll its payment into the next. It costs more interest than the avalanche and it works, because finishing a debt is what keeps people going.Debt Avalanche CalculatorThe avalanche: clear the highest rate first, then roll its payment into the next. It is mathematically optimal and always costs the least interest of any ordering.Debt Consolidation CalculatorDebt consolidation with the term effect separated from the rate effect. A lower monthly payment can come from a lower rate or from a longer term, and only the first saves money.Debt-to-Income Ratio CalculatorDebt to income on both ratios lenders actually use. The front end covers housing alone and the back end covers all debt, with different limits, so a borrower who clears the ratio they know about can still fail the one they do not.
Interest
Simple Interest CalculatorSimple interest, with the compound equivalent shown next to it. The gap between the two is the entire argument for starting early.Compound Interest CalculatorCompound interest at any frequency, including continuous, with optional monthly additions and the effective annual rate. The only figure that lets you compare two different compounding frequencies honestly.Daily Compound Interest CalculatorDaily compounding over any number of days, with the gain over annual compounding shown. The difference is smaller than most people expect and it is the reason continuous compounding is a limit rather than a leap.Continuous Compounding CalculatorContinuous compounding, and the surprisingly small amount it adds over compounding once a year. It is the mathematical ceiling on frequency, not a different kind of growth.Rule of 72 CalculatorExact doubling time next to the Rule of 72 and the Rule of 70, so you can see where each approximation is good and where it drifts.Money Doubling Time CalculatorHow long money takes to double, triple or reach any multiple at a given rate. The general form of the Rule of 72.
Deposits
Fixed Deposit (FD) CalculatorFixed deposit maturity value. Indian banks compound quarterly by convention, which makes the effective yield slightly higher than the quoted rate, the tool shows both.FD Maturity with TDS CalculatorTDS on fixed deposit interest and what remains to pay. TDS is not the final tax: it is deducted at ten percent while the liability follows your slab, so a thirty percent taxpayer always owes more.Recurring Deposit (RD) CalculatorRecurring deposit maturity, compounded quarterly the way banks actually do it. Each instalment earns for only the months it was invested, so the last one earns almost nothing.Tax Saver FD CalculatorTax-saving fixed deposit over its five year lock-in. The 80C deduction is worth more than the interest rate: the interest is fully taxable while the deduction is immediate.Senior Citizen FD CalculatorSenior citizen fixed deposit with the rate premium and the 80TTB deduction. The premium is typically half a percentage point, and 80TTB exempts the first fifty thousand of interest income.
Bonds
Bond Price CalculatorThe price of a bond from its required yield. Price and yield move opposite ways, and a bond only trades at face value when the two rates are equal.Bond Yield to Maturity CalculatorYield to maturity from a price, solved rather than approximated. It is the only yield measure that counts both the coupons and the pull to par, which is why it differs from current yield on any bond not trading at face.Current Yield CalculatorCurrent yield and an approximate yield to maturity. Current yield ignores the capital gain or loss at redemption, which is why a discount bond always shows a YTM above its current yield.Bond Duration CalculatorHow far a bond price moves when yields move. Duration is the number traders actually quote, because it converts a yield change into a price change in one multiplication.Zero Coupon Bond CalculatorA bond that pays nothing until it matures, priced as a single discounted payment. With no coupons to reinvest, the quoted yield is the return you actually get.Accrued Interest CalculatorAccrued interest between coupon dates, across day count conventions. The convention is not a detail: actual/360 and 30/360 give materially different answers on the same bond.
Government Schemes
Post Office MIS CalculatorPost Office Monthly Income Scheme payouts, with what reinvesting them would build. MIS does not compound, so the difference between spending and reinvesting the payout is substantial over five years.Post Office Time Deposit CalculatorPost Office Time Deposit maturity by tenure. The five year deposit qualifies for 80C deduction and the shorter tenures do not, which is usually the deciding factor.Kisan Vikas Patra CalculatorKisan Vikas Patra doubling period. KVP is quoted as a period rather than a rate, which is unusual and makes it hard to compare against anything until you convert it back.NSC CalculatorNational Savings Certificate maturity with its unusual tax treatment. Interest accrues annually and the first four years of it count as fresh 80C investment, so only the final year is effectively taxed.Sukanya Samriddhi Yojana CalculatorSukanya Samriddhi Yojana maturity. Deposits run for fifteen years but the account matures at twenty-one, so the last six years compound with nothing added, which is where a large part of the corpus comes from.PPF CalculatorPPF maturity with the rules that actually decide the outcome. Interest is credited on the lowest monthly balance, so depositing in early April rather than March earns a full extra year of interest on every contribution.Senior Citizens Savings Scheme CalculatorSenior Citizens Savings Scheme quarterly payouts. SCSS pays out rather than compounds, so the return is the stated rate and not more, which makes it comparable to a monthly income plan rather than a cumulative deposit.Atal Pension Yojana CalculatorThe Atal Pension Yojana contribution needed for a chosen pension, and why joining young matters so much. The contribution for the same pension roughly quadruples between joining at 18 and joining at 40.
More
Savings Goal CalculatorThe monthly amount that reaches a savings target, with what your existing balance contributes on its own. Over short horizons growth does very little and the contribution is nearly the whole answer.Emergency Fund CalculatorHow large an emergency fund needs to be and how long it takes to build. Sized on essential spending rather than total spending, which is the distinction that matters.