Simple, fast calculators for everyday money decisions.
Loan amount₹2,00,000
₹10K+Manual entry
Rate of interest (p.a.)13%
0%100%
Loan tenure3 Yrs
1 month30 years
Additional Charges
₹
₹
₹
Reducing Balance is the standard method used for most bank EMI loans. Interest is calculated on the outstanding principal after each payment.
How your loan is calculated
Quick reference — expand any row
01Monthly EMI⌄
Reducing Balance: EMI is calculated from the loan amount, annual interest rate and tenure. Interest reduces as the outstanding principal is repaid.
EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
02Interest & repayment⌄
Reducing Balance: Total interest is the amount paid above the original principal.
Compound Interest: Interest compounds monthly on the original principal and the repayment is spread across the selected tenure.
03Additional charges⌄
Processing Fee, GST and Other Charges are added to the loan repayment to show the total cost.
Total Cost = Principal + Interest + Additional Charges
Monthly EMI
₹
36 monthly payments
Total Cost
Principal + interest
Principal: 72%Interest: 28%
Processing Fee₹0
GST₹0
Other Charges₹0
Additional Charges₹0
Loan duration36 months
Without interest₹2,00,000
Total Normal / Reducing interest₹78,000
Total repayment₹2,78,000
LOAN REPORT
Illustrative Loan Proposal
Annual CTC₹2,00,000
₹1L+Manual entry
Employee PF (monthly)₹1,800/mo
₹0/mo₹25K/mo
Professional tax (monthly)₹200/mo
₹0/mo₹500/mo
Income tax estimate (monthly)₹0/mo
₹0/mo₹25K/mo
Enter your estimated monthly income-tax deduction. This calculator does not assume a tax regime.
Other Deductions (monthly)₹0/mo
₹
₹0/mo₹10L+/mo
Enter the monthly amount directly or use the slider. No fixed deduction limit is applied to direct entry.
Estimated monthly take-home
₹14,667
Take-home
after entered deductions
Deductions: 2%Take-home: 98%
Annual CTC₹2,00,000
Monthly gross₹16,667
Monthly employee PF₹21,600
Monthly professional tax₹2,400
Monthly income tax₹0
Monthly other deductions₹0
Estimated annual take-home₹1,76,000
CTC structures differ between employers. Employee PF, Professional Tax, Income Tax and Other Deductions are entered monthly. Values are editable assumptions and may vary by employer, salary structure, state and tax regime. Employer PF, gratuity, bonus, stock and other CTC components are not calculated automatically.
Monthly investment₹10,000
₹500+Manual entry
Expected return (p.a.)12%
Investment period10 Yrs
1 year40 years
Estimated maturity value
₹23,23,391
SIP Value
Invested + returns
Invested: 51%Returns: 49%
Total invested₹12,00,000
Estimated returns₹11,23,391
Total value₹23,23,391
Assumes monthly investment and monthly compounding at the expected annual return. Actual mutual-fund returns are market-dependent and not guaranteed.
Deposit amount₹2,00,000
Interest rate (p.a.)7%
Tenure5 Yrs
CompoundingSelected
Maturity amount
₹2,82,910
Principal deposited₹2,00,000
Interest earned₹82,910
Maturity amount₹2,82,910
Uses compound interest based on the selected compounding frequency. Bank FD taxation/TDS is not included.
Principal amount₹2,00,000
Rate of interest (p.a.)10%
Time period3 Years
1 month240 months (20 years)
Calculation typeSelected
Total amount
₹2,60,000
Principal₹2,00,000
Interest earned₹60,000
Total amount₹2,60,000
Simple interest uses P×R×T. Compound interest compounds annually for this calculator.
Amount₹1,00,000
GST rate18%
0%100%
Amount modeSelected
Final amount
₹1,18,000
Base amount₹1,00,000
GST amount₹18,000
Final amount₹1,18,000
For GST-inclusive mode, the entered amount is treated as the final price and GST is extracted from it.