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Flat vs Reducing Interest Rate Calculator
Convert a flat (add-on) interest rate into the true reducing-balance rate.
Principal vs interest by year
Amortization schedule
On-road price breakdown
Choose your tenure
A longer tenure lowers the EMI but increases the total interest you pay.
Principal vs interest by year
EMI schedule
Loan eligibility
Cash needed at purchase
Principal vs interest by financial year
Repayment schedule
Current loan vs transferred loan
Your options
RBI limits (Lending Against Gold and Silver Collateral Directions, 2025): loan up to 85% of the gold's value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, and 75% above that. For bullet loans the limit covers principal plus interest, and the tenure can't exceed 12 months.
How you handle interest while studying
Repayment schedule (yearly)
Your three options
Balance if you pay only the minimum due
Assumes no new spending. While you carry a balance, most cards also charge interest on new purchases from the day you make them, so you lose the interest-free period too. GST at 18% applies to interest and fees.
Compare loan offers
APR includes upfront fees, so offers with low rates but high fees are compared fairly.
Growth by year
Year-wise interest
Deposits vs interest
Year-wise growth
Deposits vs interest
Year-wise balance, withdrawals & loans
Loans: years 3–6, up to 25% of the balance at the end of the second year before. Partial withdrawals: from year 7, once a year, up to 50% of the lower of the balances at the end of the 4th year before and the previous year.
Invested vs returns
Year-wise growth
Mutual fund investments are subject to market risks. These projections assume a constant return. Actual returns vary year to year and can be negative.
Money left vs withdrawn
Year-wise withdrawals
What happens at exit
Contributions vs returns
Exit rules as amended by PFRDA in December 2025: non-government subscribers can take up to 80% as a lump sum, government employees 60%, and a corpus up to ₹8 lakh can be withdrawn in full. 60% of the corpus is tax-free; check the tax treatment of anything above that with a tax adviser. The pension (annuity) is taxed at your slab.
Your retirement money by age
Year by year
Assumes expenses keep rising with inflation after you retire, and constant returns. Plan with a margin: returns vary, and healthcare costs often rise faster than inflation.
Side by side
Slabs and rebates as in force for tax year 2026-27 (unchanged by Budget 2026). Deduction names use the familiar 1961-Act section numbers; the Income-tax Act, 2025 keeps these benefits under new section numbers. Capital gains taxed at special rates aren't included here; use the Capital Gains tab.
Where your CTC goes
Salary breakup
The three limits: you get the lowest
Same amount at other rates
Property bought before 23 July 2024: you pay the lower of
Step by step
Margin ↔ markup
Settle up: who owes whom
Enter what everyone paid, for a trip or a shared flat. Add shares only if the split isn't equal (e.g. 2 for a couple).
Holidays in this period
Time zone converter
Choose cities
Meeting planner
Each row is one hour in India. Highlighted cells fall between 9 am and 6 pm local time.
Where you are
Indian guidelines use lower cut-offs because Asian Indians tend to carry more body fat, and face higher diabetes and heart risk, at the same BMI. BMI doesn't distinguish muscle from fat; waist size adds useful information.
Protein, carbs & fat
Split across the day
Uses the Mifflin–St Jeor equation and about 7,700 kcal per kg of body fat. Estimates only; needs vary. Talk to a doctor or dietitian before large changes, especially if you are pregnant, diabetic or under 18.
Calories in Indian food
Calories are typical estimates per serving and vary a lot with recipe, oil, ghee and portion size: one dosa can be anywhere from about 100 to 170 kcal. Edit any number to match your food. A katori is a small bowl of about 150 ml.
By formula
These older formulas were designed for medication dosing and give a single number. A healthy BMI range is a better guide.
Body fat ranges
US Navy tape-measure method: usually within a few percent of a DEXA scan. Measure in the morning with a soft tape, without pulling it tight.
A rough guide covering all fluids, including tea, milk, dal and fruit. Pale yellow urine is a good sign you're drinking enough. People with kidney or heart conditions should follow their doctor's advice instead.
Progress
Usual check-ups
Due dates are estimates: only about 1 in 20 babies arrive on the day. Your doctor may adjust the date after an early scan and will advise on the right tests for you.
Next 6 cycles
Ovulation is estimated at 14 days before the next period. It varies from cycle to cycle, especially with irregular cycles or PCOS, so don't rely on this for contraception. Ovulation kits or your gynaecologist can confirm it.
All states at this value
Net worth year by year
Fair comparison: the renter invests the down payment and purchase costs, and whoever spends less each month invests the difference. Buying net worth = home value minus 1% selling cost minus the loan still owed, plus anything the buyer invested. Taxes, home loan tax benefits and furnishing aren't included.
All three areas
Where the money goes
Material estimate
Common civil-engineering thumb rules per sq ft of built-up area, for an early budget only. A structural engineer's estimate will differ.
Your appliances
Cost after subsidy
PM Surya Ghar central subsidy for homes: ₹30,000 per kW for the first 2 kW and ₹18,000 for the 3rd kW, up to ₹78,000. Apply on pmsuryaghar.gov.in through a registered vendor, for an on-grid system with net metering. Savings assume 3% yearly tariff increases and 0.5% yearly panel ageing.
Gratuity by years of service
Where your 24% goes each month
EPF balance by age
EPF withdrawals after 5 years of continuous service are tax-free. Interest on your own contributions above ₹2.5 lakh a year is taxable. The EPS pension formula is pensionable salary (capped at ₹15,000) × years of service ÷ 70, from 58 with at least 10 years.
Before and after
Presumptive vs actual profit
Same trip in other vehicles
Typical mid-size car figures; edit the form to match yours. EV cost assumes home charging.
Total spent, year by year
Includes the purchase price, energy, service and insurance; resale is subtracted at the end. EV batteries usually carry an 8-year warranty; a replacement outside warranty is costly. Loans and state EV incentives aren't included.
What a month really costs
IRDAI depreciation for IDV
Profit at different sales
GST invoice, quotation & estimate
Price build-up
Where your cash waits
Under the MSME Act, buyers must pay registered micro and small suppliers within 45 days (or the agreed shorter period). Late payment carries compound interest, and the buyer loses the tax deduction until it pays.
Cash in the bank, month by month
Year by year
Conversion table
SGPA for a semester
UGC 10-point grades: O = 10, A+ = 9, A = 8, B+ = 7, B = 6, C = 5, P = 4, F/Ab = 0. SGPA = Σ(credits × grade points) ÷ Σ credits.
CGPA across semesters
Marks, percentage & grade
Grades use the commonly cited CBSE bands (A1 91–100 … D 33–40, E below 33). CBSE now awards grades relatively (A1 = top 1/8 of students who passed a subject), so your actual grade can differ. Pass mark: 33% in each subject.
For other targets
Percentile to rank
Estimates only: real ranks depend on ties, normalisation across shifts and categories.