Enter the principal, interest rate, and tenure to calculate your Equated Monthly Installment (EMI) on a reducing-balance basis, plus the total interest you will pay.
Calculate EMI using a flat interest rate and see the equivalent reducing-balance rate. A "12% flat" loan is really closer to 21% reducing — this shows the gap.
Compute simple interest (vyaj) and total payable from principal, rate, and time. Common for trade credit and informal lending.
Compute compound interest and total maturity for FDs, RDs, and investments. Supports quarterly, monthly, and annual compounding, with the effective annual rate.
Calculate your return on investment (ROI) as a percentage. Compare business investments, marketing spends, and profitability on one scale.
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