Make a money decision with more clarity.

How to use these financial calculators

Financial calculators help you turn a broad money question into a number you can examine. You can test different amounts, time periods and assumed rates before making a borrowing, saving or investing decision. The result is an estimate based on your inputs, so treat it as a starting point for planning rather than a prediction.

Planning a loan

Before taking a personal, vehicle or home loan, use the loan calculator to estimate the monthly EMI and total interest. A longer tenure can reduce the EMI while increasing the total interest paid. Try more than one tenure and check whether the payment would remain manageable if your expenses increased.

Estimating investment growth

The SIP calculator shows how regular contributions may grow over time at an assumed rate of return. You can compare a fixed monthly SIP, an annual step-up and a lump-sum investment. Actual investment returns will vary, so use a range of return assumptions instead of relying on one optimistic figure.

Working backwards from a goal

If you already know the amount you want to build, use the goal-based savings calculator . It estimates the starting monthly contribution required after considering your time horizon, existing savings, annual contribution increases and inflation. Revisit the calculation when your income, goal amount or timeline changes.