FINANCE SUITE
| Year | Principal Paid | Interest Paid | Balance | Cumulative Int. |
|---|
Standard EMI Formula
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ−1) with yearly amortization. 100% client‑side, no data leaves your device.
SIP & Compound
SIP uses M = P × [(1+r)ⁿ−1] × (1+r)/r with monthly compounding. Effective APY shown for any frequency.
GST & Discounts
Add or extract GST/VAT, percentage change, discount & sale price. Tip splitter with per‑person breakdown.
Frequently Asked
Everything about finance calculators
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1), where P = principal, r = monthly interest rate (annual/12/100), n = total months (years×12). This is the standard reducing‑balance formula used worldwide. Our yearly amortisation table shows exact principal/interest split.
SIP uses monthly investments with compounding: M = P × [(1+r)ⁿ−1] × (1+r)/r. Lump‑sum invests once: A = P × (1+r)ⁿ. SIP benefits from rupee cost averaging; lump‑sum maximises returns if markets rise. Our calculator shows both.
APY = (1 + r/n)ⁿ − 1, where r = stated annual rate, n = compounding frequency. A 10% rate compounded monthly gives 10.47% APY. Our compound calculator always displays both.
Exclusive (add tax): Final = Amount × (1 + rate/100). Inclusive (extract tax): Base = Amount / (1 + rate/100), Tax = Amount − Base. Use extract when price already includes GST.
Absolutely zero. All calculations run in your browser. No data is sent to any server, no cookies, no localStorage – you can verify in the Network tab.
USD, PKR, EUR, GBP, INR, AED, SAR. More can be added easily – the symbol updates automatically. All calculations use the same numeric values.