Loan, bill and savings calculators that show their working
Work out an EMI before you sign, see what the AC is adding to your electricity bill, or check what a fixed deposit will pay at maturity. Every calculator here explains the formula behind its answer, and nothing you type is sent anywhere.
Loans
EMIs, total interest, prepayment, and how much a bank is likely to lend you.
Loan calculatorEMI CalculatorMonthly EMI, total interest and a full year-by-year repayment schedule for any loan.Loan calculatorHome Loan EMI CalculatorEMI, total interest and a yearly schedule for home loans, with LTV limits and tax notes.Loan calculatorCar Loan EMI CalculatorEMI and total interest on a car loan, with down payment and tenure tables and the flat-rate trap explained.Loan calculatorPersonal Loan EMI Calculator with Fees and APREMI plus the true annual cost (APR) of a personal loan after processing fee and GST.Loan calculatorEducation Loan EMI Calculator with MoratoriumEMI after the study period, with moratorium interest paid monthly or added to the loan.Loan calculatorLoan Prepayment CalculatorInterest and months saved by a lump-sum or monthly prepayment, reduce-tenure vs reduce-EMI.Loan calculatorLoan Eligibility CalculatorMaximum EMI and loan amount from your income, existing EMIs and FOIR, with home loan LTV caps.Loan calculatorFlat vs Reducing Interest Rate CalculatorTurn a dealer's flat rate into the real reducing rate, or the reverse, with EMI and interest.Loan calculatorLoan Comparison CalculatorTwo or three loan offers side by side: EMI, fees, total cost and APR, cheapest marked.
Bills and electricity
Slab-wise electricity bills, appliance running costs, GST, and splitting a shared bill.
Bill calculatorElectricity Bill CalculatorEstimate a home electricity bill from units and your own slab rates, with duty, fixed charge and free units.Bill calculatorAppliance Electricity Cost CalculatorSee how many units and rupees each fan, light, fridge, geyser or AC adds to your monthly bill.Bill calculatorAC Electricity Cost CalculatorUnits per hour, monthly cost and summer cost of an AC from its star label, ISEER or input watts.Bill calculatorInverter Battery Backup CalculatorBackup hours from battery Ah and load, or the battery size you need for a given power cut.Bill calculatorSolar Rooftop Savings CalculatorUnits, savings and payback for home rooftop solar, including the PM Surya Ghar central subsidy.Bill calculatorGST CalculatorAdd or remove GST at 5%, 18%, 40% or a custom rate, with the CGST, SGST and IGST split.Bill calculatorBill Split CalculatorSplit any bill equally, by shares or by items, with tax, tip and round-up amounts that add up exactly.
Savings and interest
FD, RD, SIP and PPF maturity values, plus simple and compound interest.
Savings calculatorFD CalculatorMaturity value or monthly/quarterly payout for any bank FD, with quarterly compounding and a TDS check.Savings calculatorRD CalculatorMaturity value of a monthly recurring deposit with quarterly compounding, and a month-by-month table.Savings calculatorSIP CalculatorEstimate the future value of a monthly SIP, with optional yearly step-up and a year-by-year table.Savings calculatorPPF CalculatorPPF maturity value for 15 years or more, with yearly or monthly deposits and 5-year extensions.Savings calculatorSimple Interest CalculatorSimple interest for any period in years, months or days, with a per-month figure and a yearly table.Savings calculatorCompound Interest CalculatorGrowth with any compounding frequency, optional monthly or yearly top-ups, effective rate and doubling time.Savings calculatorInflation CalculatorFuture cost of today's expenses, today's value of a future sum, and your real return after inflation.