Finance Calculators

Plan borrowing, saving and investment decisions with transparent formulas: what a loan will really cost, what a SIP or fixed deposit could grow to, whether an investment paid off, and whether the business has enough short-term cash to run smoothly.

Business Loan EMI CalculatorMonthly EMI, total interest and a year-wise repayment schedule for any loan.Use calculator
ROI CalculatorReturn on investment in % and the annualised return (CAGR) over any period.Use calculator
Working Capital CalculatorWorking capital, current ratio and quick ratio from your balance sheet.Use calculator
SIP CalculatorProject the value of a monthly SIP, with an optional yearly step-up.Use calculator
Compound Interest CalculatorMaturity value with yearly, quarterly or monthly compounding vs simple interest.Use calculator
FD CalculatorFixed deposit maturity amount and interest with quarterly compounding.Use calculator
RD CalculatorRecurring deposit maturity and interest for banks and Post Office RD.Use calculator
PPF CalculatorPPF maturity and year-wise growth at the current 7.1% rate.Use calculator
Simple Interest CalculatorSimple interest and total amount, compared with compound interest.Use calculator
Loan Eligibility CalculatorHow much you could borrow, from income, existing EMIs and rate.Use calculator

Three questions every small business should answer

Can we afford this loan? The Business Loan EMI Calculator shows the EMI, total interest and a year-wise schedule.
Was it worth it? The ROI Calculator converts a gain into a yearly return you can compare with a loan rate or deposit.
Can we pay our bills? The Working Capital Calculator checks short-term assets against short-term liabilities.

Saving and investing: SIP, FD and compound interest

Money grows faster when interest earns interest. The Compound Interest Calculator shows the effect of compounding frequency, the FD Calculator works out fixed deposit maturity with quarterly compounding as most Indian banks use, and the SIP Calculator projects monthly investments at an assumed return.

Note

SIP and mutual fund returns are not guaranteed; the calculator shows what an assumed rate would produce, not what you will earn. FD interest is taxable as income. Use these tools to compare options, then check the product's own terms.

Comparing a loan with an investment

A useful rule of thumb: prepaying a loan earns you a guaranteed return equal to its interest rate. If a business loan costs 14% a year and a fixed deposit pays 7%, paying down the loan usually wins. Read how EMI is calculated to see how prepayment changes total interest.

Guides

GuideHow EMI Is Calculated: Formula, Example and TipsThe EMI formula, a worked example, and how tenure changes the total interest.

Frequently asked questions

Should I compare loans on EMI or on total cost?

On total cost. A longer tenure lowers the EMI but raises the interest you pay overall, and processing fees add to the cost.

Are SIP calculator results guaranteed?

No. A SIP calculator applies an assumed annual return. Actual mutual fund returns vary and can be negative over some periods.

How is FD interest calculated in India?

Most banks compound FD interest quarterly. Maturity = principal × (1 + rate ÷ 4)^(4 × years). The FD Calculator shows the maturity amount and interest earned.