Worldwide

Investing & money calculators

Loan instalments, US-style PITI, SIP projections, plain percentages, and a napkin AdSense RPM model. Results update as you type — no "Calculate" button, no email gate, no account. Banks still round and add fees on top of any of this; these are textbook formulas, not a quote from a lender.

Which page

EMI for reducing-balance loans in INR/USD/EUR/GBP. Loan prepayment for the amortization table, extra monthly or lump-sum, and the tenure you cut — month-1 EMI matches the EMI page. Mortgage when you need property tax, insurance, and PMI folded into the monthly number, US-style. SIP for monthly investing with an inflation toggle; step-up SIP when the question is the annual raise. FD / RD / CAGR / XIRR for the rest of the napkin math. Percentage for the four "what is X% of Y" queries that never stop trending. AdSense when someone asks whether a side-project's traffic can plausibly pay rent.

Methodology — the formulas, not just the buttons

EMI uses the standard reducing-balance annuity formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the tenure in months. This is the same formula every bank uses internally; the difference between this tool's output and your actual EMI is almost always processing fees, insurance add-ons, or a rate that resets before the tenure ends.

Mortgage PITI adds property tax ÷ 12 and homeowner's insurance ÷ 12 to the same annuity payment, and layers on PMI (private mortgage insurance) as a percentage of loan value when the down payment implies a loan-to-value ratio above 80% — the common US threshold where lenders require it.

SIP compounds a fixed monthly contribution at an assumed annual return, compounded monthly, using the standard future-value-of-annuity formula; the optional inflation toggle simply deflates the nominal ending corpus by an assumed inflation rate to show a real, spending-power-adjusted number alongside the nominal one.

Worked example

A ₹30,00,000 loan at 9% annual interest over 20 years (240 months) computes to an EMI near ₹26,992 using the formula above, with total interest paid over the tenure landing around ₹34.8 lakh — more than the principal itself, which is the standard, unglamorous truth about long-tenure loans that an EMI calculator makes visible in one type-as-you-go pass instead of a hidden amortization table.

India taxes live next door

GST, salary, and income tax are under India financial rather than here, because those pages carry dated government citations (CBIC, Income Tax Department) that this worldwide-facing shelf doesn't need to repeat.