Finance Calculator Suite
11 precision calculators — EMI, SIP, compound interest, ROI, FD, inflation, GST, salary, discount, break-even & tip. 100% client-side, zero data leakage.
| Year | Principal Paid | Interest Paid | Balance | Cumul. Interest |
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Inflation erodes purchasing power. To maintain value, your investment must beat inflation. This shows how much you need to earn just to stand still.
Everything you need to know
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P = principal, r = monthly interest rate (annual/1200), n = total months. Standard reducing-balance formula. The amortization schedule shows your exact principal/interest split each year.
SIP invests monthly and benefits from rupee cost averaging. Lump sum invests once and maximises returns if markets rise consistently. Our calculator shows both side-by-side so you can compare directly.
APY = (1 + r/n)ⁿ − 1, where n = compounding frequency. A 10% rate compounded monthly gives 10.47% APY. APY tells you the real annual return after accounting for compounding. Always compare APY, not stated rates.
Exclusive (add tax): Final = Amount × (1 + rate/100). Inclusive (extract tax): Base = Amount / (1 + rate/100), Tax = Amount − Base. Use extract when the price already includes GST/VAT and you need the base figure.
Zero. All calculations run entirely in your browser using client-side JavaScript. No data is sent to any server. History is stored only in memory and cleared when you close the tab. Check your browser's Network tab to verify.
Break-even = Fixed Costs / (Selling Price − Variable Cost per Unit). It tells you the minimum units you must sell to cover all costs with zero profit. The margin of safety shows how far above break-even your expected sales are.