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Access our comprehensive suite of professional-grade financial calculators designed for individuals, investors, and businesses. Each tool provides detailed analysis, real-time computation, and actionable insights for informed financial decision-making.
Calculate Equated Monthly Installments for loans with detailed amortization schedule, prepayment analysis, and interest savings optimization.
Analyze Systematic Investment Plan returns with CAGR calculation, inflation-adjusted projections, and wealth accumulation forecasting.
Compute income tax across multiple regimes with comprehensive deduction analysis, tax optimization strategies, and refund estimation.
The Equated Monthly Installment (EMI) is calculated using the formula:
EMI = [P × r × (1+r)^n] / [(1+r)^n - 1]
Where:
P = Principal loan amount
r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
n = Loan tenure in months
Monthly Payment
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Scenario: John wants to purchase a $500,000 home with 20% down payment at 7.5% interest rate for 30 years.
Analysis: Using our EMI calculator, John discovers his monthly payment would be $2,796. With additional $200 monthly prepayment, he can save $87,420 in total interest and reduce loan tenure by 5 years.
Formula Applied: EMI = [400,000 × 0.00625 × (1+0.00625)^360] / [(1+0.00625)^360 - 1] = $2,796.86
Scenario: Sarah, age 35, wants to retire at 60 with $2 million corpus. Current savings: $100,000, expected return: 9% annually.
Analysis: Using our retirement calculator, Sarah needs to save $1,850 monthly. With 6% inflation adjustment, the required corpus increases to $3.2 million, requiring $2,400 monthly savings.
Formula Applied: FV = PV(1+r)^n + PMT × [((1+r)^n - 1)/r]
A = P(1 + r/n)^(nt)
Where:
A = Final amount
P = Principal amount
r = Annual interest rate (decimal)
n = Number of times interest compounded per year
t = Time in years
NPV = ∑ (Ct / (1+r)^t) - C0
Where:
Ct = Net cash inflow during period t
r = Discount rate
t = Number of time periods
C0 = Initial investment
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