How beMyCalc builds, tests, and documents all 123 calculators — formulas, data sources, and assumptions.
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When you move a slider or type an amount, the math runs locally in your browser. We do not send loan balances, salaries, or investment amounts to our servers. Share links encode your inputs in the URL so you can bookmark or send a scenario — treat shared URLs like any link that contains personal numbers.
Most tools use widely published financial math: reducing-balance EMI amortization, compound interest, SIP future value, CAGR, present/future value, and similar textbook formulas. Below you'll find every calculator with its formula and a link to the live tool. Each calculator page also has a "How we calculate" panel with the same equation.
India income tax, HRA, and regime-compare tools use slab rates and deductions documented for FY 2024-25 (AY 2025-26). PPF, NPS, SSY, NSC, and similar scheme calculators let you enter the notified interest rate — we do not hard-code a single live government rate unless the tool explicitly states one as a default example.
Scheme limits (80C cap, PPF yearly maximum, etc.) follow commonly cited rules at the time of the last review. Indian rules change in Union Budgets and notifications — always confirm with the Income Tax portal, EPFO, or your chartered accountant before filing or investing.
The currency converter fetches indicative mid-market rates from the Frankfurter API (European Central Bank reference data), cached for about an hour. Banks and card networks apply their own spreads and fees — use the exchange calculator to model fees separately.
Calculator pages show sample scenarios (e.g. ₹10L loan at 8.5% for 20 years). These are illustrations to explain the tool, not recommendations. Guides on /guides link to calculators so you can replace example numbers with your own.
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14 tools in Loans — showing 1–14
EMI = P × r × (1 + r)^n / ((1 + r)^n − 1) for 15, 20, and 30-year tenures on the same principal
Enter loan amount and interest rate. We calculate EMI, total interest, and total repayment for 15, 20, and 30-year tenures using standard reducing-balance amortization.
Open calculator →EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); loan amount = bike price − down payment
Enter bike price, down payment, interest rate, and loan tenure to calculate monthly EMI, total interest, and repayment schedule.
Open calculator →EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); total cost = down payment + (EMI × months)
Enter vehicle price, down payment, interest rate, and loan tenure to calculate monthly EMI and total cost of financing.
Open calculator →Each month: interest = balance × APR/12; payment goes to interest first, then principal reduction
Enter balance, APR, and monthly payment to see months until payoff and total interest cost.
Open calculator →Card path: monthly interest on balance then payment applied; PL path: fixed EMI amortization over the loan tenure
Enter card balance, APR, and your current monthly payment vs a personal loan rate and tenure. We compare total interest and time to become debt-free.
Open calculator →Avalanche/snowball: apply extra payment to target debt; recalculate interest monthly on remaining balances
Enter debt balance, interest rate, minimum payment, and optional extra payment to compare payoff timelines.
Open calculator →EMI = P × r × (1 + r)^n / ((1 + r)^n − 1), where P = principal, r = monthly rate, n = tenure in months
Input loan amount, annual interest rate, and tenure in months or years. EMI is calculated using the standard reducing balance formula.
Open calculator →Flat: interest = P × rate × years; reducing: standard EMI amortization on outstanding balance each month
Enter loan principal, annual interest rate, and tenure. Flat rate applies interest on full principal for entire tenure; reducing balance charges interest only on outstanding principal each month.
Open calculator →Net weight = gross × (1 − stone%); gold value = net weight × rate/gram; max loan = value × 75% (RBI norm). Repayment: EMI (reducing balance), interest-only (principal at maturity), or compound (unpaid interest capitalizes monthly)
Enter gross gold weight and stone deduction, pick purity, then set the lender's gold rate per gram and your gold loan interest rate. We value the ornament, apply the 75% loan cap, and calculate reducing-balance EMI for your tenure.
Open calculator →EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); total interest = (EMI × n) − P
Enter property loan amount, interest rate, and repayment period to get monthly EMI, total payment, and interest breakdown.
Open calculator →Payment = P × r × (1 + r)^n / ((1 + r)^n − 1), where P = loan amount, r = monthly rate, n = months
Enter loan amount, annual interest rate, and tenure to calculate monthly payment, total interest, and total repayment.
Open calculator →Monthly payment = P × r × (1 + r)^n / ((1 + r)^n − 1); includes principal and interest over the loan term
Enter home price, down payment, interest rate, loan term, plus optional property tax and insurance for total monthly payment.
Open calculator →EMI = P × r × (1 + r)^n / ((1 + r)^n − 1); amortization splits each EMI into principal + interest
Personal loans use the same EMI formula. Enter loan amount, interest rate, and tenure to see your repayment schedule.
Open calculator →Interest saved = reduced EMI schedule vs original; investment gain = FV of prepay amount at assumed return
Enter outstanding loan balance, rate, remaining tenure, prepayment amount, and expected investment return. We compare total interest saved from prepayment against lump-sum investment gains over the same period.
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