Loan / EMI Calculator
Loan Amount5,00,000โน
โน50Kโน1 Cr
โน
Interest Rate (p.a.)10.5%
5%24%
%
Tenure3yr
1 yr30 yr
Yr
Your EMI Result
MONTHLY EMI
โน16,134
for 36 months
Principal
โน5,00,000
Total Interest
โน80,820
Total Payment
โน5,80,820
Interest %
13.9%
Principal
Interest
Amortization Schedule
| Month | EMI | Principal | Interest | Balance |
|---|
Home Loan Calculator
Property Value50,00,000โน
โน10Lโน10 Cr
Down Payment20%
10%50%
Interest Rate (p.a.)8.5%
6%16%
%
Loan Tenure20yr
5 yr30 yr
Home Loan Breakdown
MONTHLY EMI
โน30,869
for 240 months
Loan Amount
โน40,00,000
Down Payment
โน10,00,000
Total Interest
โน34,08,598
Total Cost
โน84,08,598
| Property Value | โน50,00,000 |
| Loan-to-Value Ratio | 80% |
| Processing Fee (~1%) | โน40,000 |
| Stamp Duty (~5%) | โน2,50,000 |
Car Loan Calculator
Car Price8,00,000โน
โน2Lโน1 Cr
Down Payment20%
10%60%
Interest Rate (p.a.)9.0%
7%18%
Loan Tenure5yr
1 yr7 yr
Car Loan Result
MONTHLY EMI
โน13,287
for 60 months
Loan Amount
โน6,40,000
Down Payment
โน1,60,000
Total Interest
โน1,57,207
Total Payment
โน7,97,207
| Insurance (est. 3%) | โน24,000/yr |
| Road Tax (est. 6%) | โน48,000 |
| On-Road Price (est.) | โน9,20,000 |
SIP / Mutual Fund Calculator
Monthly Investment5,000โน
โน500โน2L
โน
Expected Return (p.a.)12%
4%30%
Investment Period10yr
1 yr40 yr
Wealth Created
TOTAL CORPUS
โน11,61,695
after 10 years
Invested Amount
โน6,00,000
Returns Earned
โน5,61,695
Return %
93.6%
XIRR (approx)
12%
Invested
Returns
FD / RD Calculator
Calculator Type
Deposit Amount1,00,000โน
โน1Kโน1 Cr
โน
Interest Rate (p.a.)7.0%
3%10%
Tenure1yr
1 yr10 yr
Compounding
Maturity Details
MATURITY AMOUNT
โน1,07,186
after 1 year(s)
Principal
โน1,00,000
Interest Earned
โน7,186
Effective Rate
7.19%
TDS (10%)
โน719
| Post-TDS Interest | โน6,467 |
| Post-TDS Maturity | โน1,06,467 |
| Inflation-adj. return (6%) | +1.19% |
Insurance Premium Calculator
Insurance Type
Age30yr
18 yr65 yr
Cover Amount1,00,00,000โน
โน5Lโน5 Cr
Smoker?
Policy Term20yr
5 yr40 yr
Premium Estimate
ANNUAL PREMIUM
โน8,500
approx. 708/month
Cover Amount
โน1 Cr
Policy Term
20 years
Total Premium
โน1,70,000
Tax Benefit u/s 80C
โน8,500
| Premium per โน1L cover | โน85 |
| Claim Settlement (avg) | 98.5% |
| Riders available | Critical illness, Waiver |
| Section 80C deduction | Up to โน1.5L |
*Premium is an estimate based on standard rates. Actual premium varies by insurer, health status, and lifestyle. Always compare quotes from multiple insurers.
Income Tax Calculator (FY 2025โ26)
Annual Income10,00,000โน
โน2.5Lโน1 Cr
โน
Tax Regime
80C Deductions1,50,000โน
โน0โน1.5L
HRA / Other Exemptions0โน
โน0โน5L
Tax Liability (FY 2025โ26)
TOTAL TAX PAYABLE
โน54,600
incl. 4% health & education cess
Gross Income
โน10,00,000
Taxable Income
โน8,50,000
Tax Before Cess
โน52,500
In-Hand Monthly
โน78,783
PPF Calculator
Yearly Investment1,50,000โน
โน500โน1.5L
โน
PPF Rate (current)7.1%
6%9%
Tenure15yr
15 yr50 yr
PPF Maturity
MATURITY VALUE
โน40,68,209
after 15 years โ fully tax-free
Total Invested
โน22,50,000
Interest Earned
โน18,18,209
Wealth Ratio
1.81ร
Tax Saved (30%)
โน45,000/yr
| Tax on returns | Nil (EEE status) |
| 80C deduction | Up to โน1.5L/yr |
| Partial withdrawal | From year 7 |
| Loan facility | Year 3โ6 |
Gratuity Calculator
Monthly Basic + DA Salary50,000โน
โน10Kโน5L
โน
Years of Service10yr
5 yr40 yr
Organisation Type
Gratuity Amount
GRATUITY PAYABLE
โน2,88,462
as per Payment of Gratuity Act, 1972
Monthly Salary
โน50,000
Years of Service
10 years
Gratuity Amount
โน2,88,462
Tax-free Limit
โน20,00,000
| Formula used | (15 ร Salary ร Years) รท 26 |
| Tax exemption | Up to โน20L (Govt employees: full) |
| Minimum service | 5 continuous years |
| Payment deadline | Within 30 days of leaving |