latestipotoday Calculators

Calculators

Financial maths, in Indian numbers

Three calculators that answer the questions that actually decide things: what an EMI costs you in total, what a tenure change is really worth, and what a return looks like once you divide it by time. No sign-up, nothing stored.

  • Reducing balance
  • Lakhs & crores
  • Year-by-year schedules
Borrowing

Car Loan EMI Calculator

Split the on-road price into a down payment and a monthly EMI. See the total interest, the processing fee and the all-in cost of putting the car in your driveway.

Open calculator Borrowing

Home Loan EMI Calculator

Test tenures from one to thirty years, check your loan-to-value ratio and EMI-to-income ratio, and read the full amortisation schedule year by year.

Open calculator Investing

ROI, CAGR & SIP Calculator

Turn a buy price and a sell price into a proper annualised return, project a lump sum forward, or model a monthly SIP with an annual step-up.

Open calculator

How they work

Built to be argued with

Most calculators give you one number and stop. These are designed for the second question — the one you ask after the first answer, when you want to know what changes if you move something.

  1. Drag, don't just type

    Every input has a slider. Move the tenure or the down payment and watch the interest figure respond in real time. The relationship between the two is the whole point.

  2. Watch the split bar

    One bar shows what share of your money is principal and what share is interest, or capital versus growth. It is the fastest read on whether a deal is expensive.

  3. Read the year-by-year table

    Each calculator prints a full schedule. On a loan it shows when principal repayment overtakes interest. On an investment it shows when growth overtakes contributions.

Why the total matters more than the monthly

Loans in India are almost always sold on the monthly instalment, because that is the figure that feels affordable. It is also the figure that hides the most. Two loans with nearly identical EMIs can differ by lakhs in total interest, and the difference sits entirely in the tenure and the rate — neither of which gets much airtime at the point of sale.

The same inversion happens with investments. A gain quoted without a holding period sounds impressive and means very little. Divide it by time and the ranking of two options frequently reverses.

Each calculator here leads with the number you asked for, then puts the number you should also see directly beneath it. Pick the one you need from the menu above, or start with the home loan calculator — it is where the gap between the monthly figure and the total is widest.

Common questions

Frequently asked questions

Are these calculators free to use?

Yes. Every calculator on this site is free, needs no sign-up, and runs entirely in your browser. Nothing you type is sent to a server or stored anywhere.

Which method do the loan calculators use?

The reducing-balance method, which is how Indian bank and NBFC loans actually work. Interest each month is charged only on the outstanding principal, so the interest portion of your EMI falls as the loan progresses. Flat-rate quotes from dealer finance desks are calculated differently and are not directly comparable — the car loan page explains how to convert between them.

Will my bank quote exactly these figures?

Very close, but treat everything here as an estimate. Lenders round instalments, may charge broken-period or pre-EMI interest, and set your rate based on your credit profile rather than the advertised card rate. Your sanction letter and the amortisation schedule your lender issues are the numbers that govern the loan.

Do the calculators handle lakhs and crores?

Yes. Amounts are grouped in the Indian style — ₹12,50,000 rather than ₹1,250,000 — and each amount field shows the figure in lakhs or crores underneath as you type, so it is hard to accidentally add a zero.

Is any of this financial advice?

No. These are arithmetic tools. They report the consequences of numbers you enter and do not recommend any loan, lender, scheme or security. Market-linked returns you enter for projections are assumptions, not forecasts, and carry risk including loss of capital. Please speak to your bank or a SEBI-registered adviser before making a financial commitment.