Free money calculators for India
What will your loan really cost?
Monthly EMI
₹21,696
In 20 years you pay ₹52.07 lakh in total. Of this, ₹27.07 lakh is interest — 108% of the loan.
- Loan amount
- ₹25,00,000₹25 lakh
- Total interest
- ₹27,06,939₹27.07 lakh
- Total amount payable
- ₹52,06,939₹52.07 lakh
Illustration only, not investment, tax or legal advice.
What moves the result most?
- Principal₹25,00,000 (48%)
- Interest₹27,06,939 (52%)
Repayment schedule
| Year | Principal | Interest | Total paid | Loan left |
|---|---|---|---|---|
| ₹49,756 | ₹2,10,591 | ₹2,60,347 | ₹24,50,244 | |
| ₹54,154 | ₹2,06,193 | ₹2,60,347 | ₹23,96,091 | |
| ₹58,940 | ₹2,01,407 | ₹2,60,347 | ₹23,37,150 | |
| ₹64,150 | ₹1,96,197 | ₹2,60,347 | ₹22,73,000 | |
| ₹69,820 | ₹1,90,527 | ₹2,60,347 | ₹22,03,180 | |
| ₹75,992 | ₹1,84,355 | ₹2,60,347 | ₹21,27,188 | |
| ₹82,709 | ₹1,77,638 | ₹2,60,347 | ₹20,44,479 | |
| ₹90,020 | ₹1,70,327 | ₹2,60,347 | ₹19,54,459 | |
| ₹97,977 | ₹1,62,370 | ₹2,60,347 | ₹18,56,482 | |
| ₹1,06,637 | ₹1,53,710 | ₹2,60,347 | ₹17,49,846 | |
| ₹1,16,063 | ₹1,44,284 | ₹2,60,347 | ₹16,33,783 | |
| ₹1,26,321 | ₹1,34,026 | ₹2,60,347 | ₹15,07,462 | |
| ₹1,37,487 | ₹1,22,860 | ₹2,60,347 | ₹13,69,974 | |
| ₹1,49,640 | ₹1,10,707 | ₹2,60,347 | ₹12,20,335 | |
| ₹1,62,866 | ₹97,480 | ₹2,60,347 | ₹10,57,468 | |
| ₹1,77,262 | ₹83,085 | ₹2,60,347 | ₹8,80,206 | |
| ₹1,92,931 | ₹67,416 | ₹2,60,347 | ₹6,87,275 | |
| ₹2,09,984 | ₹50,363 | ₹2,60,347 | ₹4,77,291 | |
| ₹2,28,545 | ₹31,802 | ₹2,60,347 | ₹2,48,746 | |
| ₹2,48,746 | ₹11,601 | ₹2,60,347 | ₹0 |
Tap a year to see its months.
Rules checked against the Income-tax Act, 2025 and the Post Office scheme rules. Rates for Oct–Dec 2026, checked 7 Oct 2026. Nothing you type leaves your phone or computer.
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Loans
- EMI CalculatorMonthly loan instalment and repayment schedule
- Compare LoansTwo loans side by side: EMI, fees and real cost
- Home Loan Prepayment CalculatorInterest saved by paying extra on your loan
- Prepay or Invest CalculatorPrepay the loan or invest? Buy now or save first?
- Personal Loan CalculatorEMI, true cost with fees, compare offers, close early
- Flat vs Reducing Rate CalculatorThe real rate behind a “flat” loan offer
- Home Loan Eligibility CalculatorHow much loan you get and what house you can buy
- Rent vs Buy CalculatorBuy a house or rent and invest: which leaves you richer
- Loan Rate Change CalculatorBank raised your rate? Higher EMI or longer tenure
- No-Cost EMI CalculatorWhat a “no-cost” EMI really costs you
- Close Multiple Loans CalculatorWhich loan to close first, and when all are closed
- Car Loan EMI CalculatorCar EMI from the on-road price and down payment
- Gold Loan CalculatorHow much you can borrow on gold, EMI or pay at the end
Investing
- SIP CalculatorValue of a monthly investment
- Step-up SIP CalculatorSIP that rises every year
- SWP CalculatorMonthly withdrawals and how long your money lasts
- Lumpsum CalculatorGrowth of a one-time investment
- Interest CalculatorSimple and compound interest, any compounding
- FD CalculatorFixed deposit maturity value
- RD CalculatorRecurring deposit maturity — bank or post office
- XIRR CalculatorReal yearly return when you invest at different times
- CAGR CalculatorYearly growth rate of an investment
- Gold CalculatorJewellery price with making charges and 3% GST
Government schemes
- PPF CalculatorPublic Provident Fund maturity
- Sukanya Samriddhi CalculatorSSY maturity for your daughter
- SCSS CalculatorSenior Citizens Savings Scheme quarterly interest
- NSC CalculatorNational Savings Certificate maturity
- KVP CalculatorKisan Vikas Patra doubling
- Post Office MIS CalculatorMonthly income from Post Office MIS
Tax
Planning
- Goal PlannerSIP, lump sum, RD, PPF or Sukanya needed for a goal
- Inflation CalculatorFuture cost and the value of old rupees
- Investment Mix – Past ReturnsHow a mix of shares, gold and PPF really did
- Retirement PlannerHow much you need, and whether it lasts
- Emergency Fund CalculatorHow much to keep aside for bad times
- Insurance Plan vs Term + InvestEndowment or money-back plan, or term plan and invest the rest
- FIRE CalculatorHow much money you need to stop working early
- Gratuity CalculatorGratuity on leaving a job, as per the new labour code
- EPF CalculatorPF balance at retirement and EPS pension (2026 rules)
- NPS CalculatorSavings at 60, lump sum, pension and tax saving
New · Expenses
Where did your salary go?
Add 6 months of your SBI and PhonePe statements and see where the money went. Your files never leave your phone or computer.
What are you working out?
- Salary gone before month end
- Buying a home
Step-by-step guide: Bank limit, EMI, regret test, rent vs buy, prepaying
EMI CalculatorHome Loan Prepayment CalculatorPrepay or Invest Calculator
- EMI feels too heavy
Step-by-step guide: Lower rate, longer tenure, prepay, idle gold
EMI CalculatorLoan Rate Change CalculatorHome Loan Prepayment Calculator
- Need money fast
Step-by-step guide: Real cost of each, gold needed, minimum due
- Taking a personal or car loan
Personal Loan CalculatorFlat vs Reducing Rate CalculatorEMI Calculator
- Saving for a goal
Goal PlannerSIP CalculatorPPF CalculatorSukanya Samriddhi Calculator
- Tax time
Step-by-step guide: In-hand salary, old vs new regime, NPS
- Planning to retire
Step-by-step guide: Money needed, how long it lasts, SCSS
Retirement PlannerEPF CalculatorNPS CalculatorSCSS Calculator
- Growing your investments
Step-by-step guide: Start now vs later, catch-up SIP, PPF vs SIP
SIP CalculatorStep-up SIP CalculatorLumpsum CalculatorInvestment Mix – Past Returns
This quarter’s rates
Oct–Dec 2026 · Ministry of Finance, India Post · checked 7 Oct 2026
All calculators
Loan calculators
- EMI CalculatorMonthly loan instalment and repayment schedule
- Compare LoansTwo loans side by side: EMI, fees and real cost
- Home Loan Prepayment CalculatorInterest saved by paying extra on your loan
- Prepay or Invest CalculatorPrepay the loan or invest? Buy now or save first?
- Personal Loan CalculatorEMI, true cost with fees, compare offers, close early
- Flat vs Reducing Rate CalculatorThe real rate behind a “flat” loan offer
- Home Loan Eligibility CalculatorHow much loan you get and what house you can buy
- Rent vs Buy CalculatorBuy a house or rent and invest: which leaves you richer
- Loan Rate Change CalculatorBank raised your rate? Higher EMI or longer tenure
- No-Cost EMI CalculatorWhat a “no-cost” EMI really costs you
- Close Multiple Loans CalculatorWhich loan to close first, and when all are closed
- Car Loan EMI CalculatorCar EMI from the on-road price and down payment
- Gold Loan CalculatorHow much you can borrow on gold, EMI or pay at the end
Investment calculators
- SIP CalculatorValue of a monthly investment
- Step-up SIP CalculatorSIP that rises every year
- SWP CalculatorMonthly withdrawals and how long your money lasts
- Lumpsum CalculatorGrowth of a one-time investment
- Interest CalculatorSimple and compound interest, any compounding
- FD CalculatorFixed deposit maturity value
- RD CalculatorRecurring deposit maturity — bank or post office
- XIRR CalculatorReal yearly return when you invest at different times
- CAGR CalculatorYearly growth rate of an investment
- Gold CalculatorJewellery price with making charges and 3% GST
Government savings scheme calculators
- PPF CalculatorPublic Provident Fund maturity
- Sukanya Samriddhi CalculatorSSY maturity for your daughter
- SCSS CalculatorSenior Citizens Savings Scheme quarterly interest
- NSC CalculatorNational Savings Certificate maturity
- KVP CalculatorKisan Vikas Patra doubling
- Post Office MIS CalculatorMonthly income from Post Office MIS
Tax calculators
Planning tools
- Goal PlannerSIP, lump sum, RD, PPF or Sukanya needed for a goal
- Inflation CalculatorFuture cost and the value of old rupees
- Investment Mix – Past ReturnsHow a mix of shares, gold and PPF really did
- Retirement PlannerHow much you need, and whether it lasts
- Emergency Fund CalculatorHow much to keep aside for bad times
- Insurance Plan vs Term + InvestEndowment or money-back plan, or term plan and invest the rest
- FIRE CalculatorHow much money you need to stop working early
- Gratuity CalculatorGratuity on leaving a job, as per the new labour code
- EPF CalculatorPF balance at retirement and EPS pension (2026 rules)
- NPS CalculatorSavings at 60, lump sum, pension and tax saving
Expense tools
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- 20 Oct 2026The site is now called CalcTortoise.
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