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Money calculators that show their working

Loan, savings and investing calculators. Free, no sign-in, and nothing leaves your browser. Each one shows its formula and its assumptions.

Enter your balance, rate and EMI. See what a lower rate or extra payment saves, then get a ready letter for your lender.

Understand a loan

Monthly EMI, total interest and a year-by-year split.

Turn a "flat" rate into the real yearly rate you pay.

The real rate once fees and deductions are counted.

What paying only the minimum really costs.

Put spare money in your loan, or in an investment?

What a monthly SIP could grow to, with optional yearly step-up.

What a one-time investment could grow to.

Maturity value of a fixed deposit with quarterly or other compounding.

Maturity value of a monthly recurring deposit.

PPF balance after 15 years or more of yearly deposits.