Loan EMI, SIP & Retirement Planning

These calculators help you estimate payments and goal-based investing using transparent formulas. Use them as planning tools to understand trade-offs before you commit.

EMI Formula (for monthly instalment)
EMI = (P × r × (1+r)^n) ÷ ((1+r)^n − 1)
P = principal (loan amount), r = monthly interest rate, n = total months (tenure).
SIP Future Value (for goal planning)
FV = P × [((1+r)^n − 1) ÷ r] × (1+r)
P = monthly SIP amount, r = monthly return rate, n = total months. Used for planning assumed growth.
Principal vs Interest
This portal preview explains what the EMI tool visualizes: how much of total payments goes to principal and how much to interest.
Key Terms (quick glossary)
  • Principal (P): the original loan amount or the invested amount before interest/returns.
  • Tenure (n): time period over which payments/investments run.
  • Monthly rate (r): annual interest/return converted to monthly for EMI/SIP formulas.

Tools in this category

Loan EMI Calculator

Calculate monthly EMI, total interest, and total payment with an amortisation view.

SIP / Investment Calculator

Estimate future value of monthly SIP with compounding-based growth assumptions.

Retirement Planning Calculator

Estimate required retirement corpus and the monthly investment needed.

HRA Calculator

Understand HRA exemption using rent, salary, and the standard minimum rule.

Income Tax Calculator (Illustrative)

Get slab-wise tax estimates and net payable for planning purposes.

Term Insurance Premium Calculator

Plan indicative term premium costs for life cover decisions.

Child Education Planner

Plan target corpus and the monthly SIP required for education goals.

BMI Calculator

Calculate BMI from height and weight for quick health screening.

Benefits of using this category

Planning clarity

See monthly instalments and total costs early, so you can compare scenarios and set realistic expectations.

Transparent assumptions

Formulas and key definitions reduce ambiguity. The goal is “understand before deciding”, not just “compute”.

HRA exemption logic (minimum rule)

HRA exemption minimum is computed from: actual HRA received, standard city-based percentage of salary (metro: 50%, non-metro: 40%), and rent minus 10% of salary. Use the HRA calculator for the exact inputs and outputs.