Lessons
Short lessons behind the calculators
Four plain-language explainers covering the ideas every calculator on this site uses. Each one works through real numbers you can check with a phone calculator.
How EMI is calculated
The month-by-month logic behind the EMI formula, and how tenure and rate change the total.
Reducing balance vs flat rate
Why "12% flat" costs about as much as 21.5% on a reducing balance, with a converter.
Compounding explained
Frequency, effective yearly rate, monthly-rate conventions and the rule of 72.
Inflation-adjusted value
Turning future rupees into today's money, and real return.
Prefer to start with a tool? Go to all calculators.