Money matters
Finance
Loan EMI, interest, savings, discount and profit calculators.
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Money decisions are easier when you can see the numbers clearly. These finance tools help you work out loan repayments, interest, discounts and taxes so you know the real cost or saving before you commit. Each one shows totals such as total interest or total repayment, not just a single figure, so nothing is hidden.
They are handy for planning a purchase, comparing two loan or savings options, or double-checking a bill. Everything is calculated in your browser, so your amounts stay private and results update instantly as you adjust the inputs.
How to use these tools
- Choose the tool for your task — EMI or loan for borrowing, savings or investment for growth, discount, VAT or salary for day-to-day money.
- Enter the main amount: the loan principal, the price, or your starting balance.
- Add the rate and time period. Interest rates are entered as an annual figure and converted internally to the right per-period rate.
- Review the full result, including totals like total interest, total repayment or maturity amount, so the true cost or gain is visible.
- Change one input at a time to compare scenarios — for example a shorter tenure or a higher deposit.
Common ways people use them
- Working out whether a car or home loan instalment fits your monthly budget before you apply.
- Comparing a 3-year and a 5-year loan to see how much extra interest the longer term costs.
- Checking the final price of a sale item after a discount and VAT are applied in the right order.
- Projecting how a monthly savings habit could grow over five or ten years.
- Converting a gross salary offer into realistic net take-home pay after deductions.
Good to know
How an EMI is calculated
An Equated Monthly Instalment spreads a loan into equal monthly payments. Each payment covers interest on the outstanding balance plus a slice of principal. Early payments are mostly interest and later ones mostly principal, which is why a longer tenure lowers the monthly figure but raises the total interest.
Adding vs removing VAT
To add VAT you increase the net price by the rate; to remove it you divide the gross price by one plus the rate. The VAT calculator does both, so you can find the tax portion of a receipt or price a product before tax with a custom rate.
Discount then tax
Shops apply a discount to the original price first and then add any tax to the reduced amount. The discount calculator follows this same order, so the final price it shows matches what you actually pay at the till.
Related tools & guides
Frequently asked questions
- Should I use the EMI or loan calculator?
- Use the EMI calculator for a standard monthly instalment. Use the loan calculator when you want quarterly or yearly payments, or need to model an interest-free plan.
- Is the interest rate I enter annual?
- Yes. Enter the annual rate and the tools convert it to the correct per-period rate internally.
- Are discounts and tax applied in the right order?
- Yes. The discount calculator applies the discount first and then adds any tax or VAT to the reduced price, matching how shops calculate the amount you pay.
- How is compound interest different from simple interest?
- Compound interest earns interest on previously earned interest, so it grows faster over time, while simple interest is charged only on the original principal.
- Can I compare two loans or savings plans?
- Yes. Run the calculation once, note the totals, then change a single input such as the tenure or deposit and compare the new totals against the first.
- Do these tools store my financial data?
- No. All calculations run locally in your browser, so the figures you enter are never uploaded.