PaisaCalc

Loan, SIP and deposit calculators that show their working.

PaisaCalc is a small set of money calculators for India. Each one takes the numbers you have (a loan amount and rate, a monthly SIP, a fixed deposit) and gives you the answer a bank or an app would give, with the formula written out underneath so you can check it yourself.

The calculators run in your browser. Nothing you type is sent anywhere. There is no login, no app to install and no advice for sale: the pages tell you how the arithmetic works and leave the decision to you.

Rates are never assumed for you. Where a bank, a fund or the government sets a number, you type the one that applies to you, from your own document. That keeps the result honest when rates change, which they do.

Tools

• Bike loan EMI calculatorEMI for a two-wheeler loan: the on-road price less your down payment, at the dealer's rate, over 1 to 5 years, with the total interest and what a bigger down payment saves.
• Car loan EMI calculatorEMI for a new or used car loan over 1 to 7 years, the interest a longer tenure adds, and how to read a dealer's finance quote against the bank's rate.
• Compound interest calculatorGrowth of a lump sum at compound interest with yearly, half-yearly, quarterly or monthly compounding, the year-by-year table, and the difference from simple interest.
• EMI calculatorMonthly EMI for a home, car or bike loan, with total interest and a year-by-year repayment table.
• FD and RD calculatorMaturity amount of a fixed deposit or a recurring deposit at the rate your bank quotes, with quarterly compounding the way banks do it.
• GST calculator: add or remove GST, CGST and SGST splitAdd GST to a base price or take it out of a price that includes it, at any rate, with the CGST and SGST halves for a sale within a state or IGST for a sale across states.
• Home loan EMI calculatorEMI for a home loan of any amount, rate and tenure up to 30 years, with the year-by-year split between principal and interest and what a shorter tenure saves.
• Personal loan EMI calculatorEMI for an unsecured personal loan over 1 to 5 years, the interest at the rates these loans carry, and how to compare a bank's offer with an app lender's.
• SIP calculatorWhat a monthly SIP grows to at an assumed return, with an optional yearly step-up, and how much of it is your own money.
• SWP calculator: monthly withdrawals from a lump sumHow long a corpus lasts when you withdraw a fixed amount every month at an assumed return, or what is left after a set number of years, with the year-by-year balance.

Who makes this

PaisaCalc is written and kept by ABSU Mobilities, Hyderabad. Every tool page says how it calculates, shows a worked example, and lists its sources with the date they were read. If a number looks wrong, tell us.