How do I calculate loan EMI (Equated Monthly Installment)?

EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is principal loan amount, r is monthly interest rate (annual rate/12/100), and n is loan tenure in months. For example, a ₹10,00,000 loan at 8% annual for 20 years: r = 8/12/100 = 0.00667, n = 240, EMI = ₹8,364/month.

How do you calculate SIP returns for mutual funds?

SIP future value FV = P × [(1+r)^n - 1] / r × (1+r), where P is monthly investment, r is monthly return rate (annual rate/12), and n is number of months. For ₹10,000/month SIP at 12% annual for 15 years: FV = ₹50.46 lakhs on total invested ₹18 lakhs — wealth multiple of 2.8×.

What is the compound interest formula?

Compound interest: A = P × (1 + r/n)^(nt), where A is final amount, P is principal, r is annual interest rate (decimal), n is compounding periods per year (daily=365, monthly=12, quarterly=4, annually=1), and t is time in years. Compound interest earned = A - P.

How do I calculate the FIRE (Financial Independence Retire Early) number?

FIRE number = Annual expenses × 25 (using the 4% Safe Withdrawal Rate from the Trinity Study). For example, if you need $60,000/year: FIRE number = $60,000 × 25 = $1,500,000. Years to FIRE depends on savings rate — at 50% savings rate, FIRE in approximately 17 years from a zero-base.

How do you calculate ROI and CAGR?

ROI (%) = (Net Profit / Cost of Investment) × 100 = ((Final Value - Initial Value) / Initial Value) × 100. CAGR (Compound Annual Growth Rate) = (Final Value / Initial Value)^(1/years) - 1. For example, $10,000 growing to $15,000 in 5 years: CAGR = (15000/10000)^(1/5) - 1 = 8.45%.

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Financial Calculator

Plan your financial future — Loan EMI, Compound Interest, Savings Goal, Retirement Planner, Tip & Split, and Discount Calculator with interactive charts.

6 Calculators

📊 Interactive Charts

📄 PDF Reports

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Loan / EMI

Monthly EMI, total interest & payment schedule

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Compound Interest

Future value with compounding frequency

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Savings Goal

Monthly savings needed to reach your target

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Retirement

Retirement fund projection & FIRE number

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Tip & Split

Bill splitting with tip calculator

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Discount

Sale price after discount & tax

Loan Amount

Interest Rate (% p.a.)

Loan Term (years)

Monthly EMI—

Total Interest—

Total Payment—

Principal Amount

Annual Rate (%)

Time (years)

Compounding

Future Value—

Total Interest—

Savings Goal

Annual Return (%)

Time (years)

Monthly Savings Needed—

Total Contributed—

Interest Earned—

Current Age

Retirement Age

Current Savings

Monthly Contribution

Expected Return (%)

Retirement Fund—

Total Contributed—

Interest Earned—

Bill Amount

Tip Percentage (%)

Split Between

Tip Amount—

Total—

Per Person—

Original Price

Discount (%)

Tax Rate (%)

You Save—

After Discount—

Final (w/ Tax)—