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Finance Calculators

Plan borrowing, saving, and investing with calculators that show the total cost or growth — not just the monthly number.

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Finance calculators

About these finance calculators

Money decisions usually hinge on two numbers: what you pay (or save) each month, and what it adds up to over the full term. These finance calculators show both, so a lower monthly payment never hides a higher total cost.

Every tool uses standard, published formulas — reducing-balance amortisation for loans and monthly compounding for savings and investments — and explains its assumptions on the page, so you can tell when a result is a firm figure and when it is an estimate.

Tips for accurate results

  • Compare total cost, not just EMI. A longer term lowers the monthly payment but usually raises total interest. Check both figures before choosing an offer.
  • Match the tenure unit. The EMI Calculator takes tenure in months; the Loan and Mortgage calculators use years. Entering the wrong unit is the most common error.
  • Run a cautious scenario too. For investments and retirement, test a lower return rate alongside your expected one to see a realistic range.

FAQ

Finance calculator questions

Both use the same amortisation formula. The Loan Calculator takes the term in years, while the EMI Calculator takes tenure in months, matching how most Indian lenders quote personal and car loans.
No. They model principal, rate, and time. Processing fees, insurance, taxes on returns, and account charges should be added separately using your lender or provider documents.
Many planners use 6–8% for diversified, equity-heavy portfolios over decades and 3–5% for conservative mixes. Running two scenarios gives a more honest range than a single optimistic figure.

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