Financial Calculators — Plan Your Money
Calculate loan EMIs, SIP returns, compound interest, take-home salary, currency conversions, and fuel costs. Make informed financial decisions with accurate, real-time calculations. All processing happens in your browser.
Advanced EMI Planner
Prepayment impact · Amortization · Affordability · Loan types
💡 Annual prepayments reduce principal → save interest + tenure
Monthly EMI
₹4,499
Principal
₹5.00 L
Total Interest
₹5.80 L
Total Payment (Principal + Interest)
₹10.80 L
You pay 116% extra over 20 years
Affordability Check
Your monthly income should be at least
₹11,247
to keep EMI below 40% of income (recommended limit)
💡 Banks typically approve loans where EMI ≤ 40% of monthly income. Your EMI is 40% of ₹11,247.
Total Payment Breakdown
Smart Tips
💡 Prepay early: Prepayments in first 5 years save 3x more interest than in last 5 years
💡 Refinance: If interest rates drop 1%+, consider balance transfer to save lakhs
💡 Shorter tenure: 15-year loan saves ~40% interest vs 30-year (same EMI effort)
Disclaimer: EMI calculation assumes fixed-rate loan. Actual EMI may vary for floating-rate loans. Processing fees, prepayment penalties, and GST not included.