Loan EMI Calculator: SIP FD RD

Calculate EMI, SIP, FD, RD and PPF in one app. Understand a loan's total cost, compare two offers and explore how extra repayments could change your EMI or loan tenure. No ads or sign-up. Calculations run on your phone.

CALCULATE EMI AND UNDERSTAND YOUR LOAN
Enter the loan amount, annual interest rate and tenure to calculate monthly EMI for a home, car, bike or personal loan.
- See total interest and total repayment, not only the monthly instalment.
- View principal-versus-interest charts and how the outstanding balance changes.
- Explore the full repayment schedule, yearly or month by month.

COMPARE LOAN OFFERS AND PLAN PREPAYMENTS
Compare two loan offers side by side by EMI, interest and total repayment.
- Try a one-time extra payment or recurring prepayments.
- Explore the effect of shortening the tenure or lowering the EMI.
- Estimate repayment time and the maximum loan for your chosen EMI.
- Use the editable bank-rate reference and EMI-per-lakh quick table.
- Estimate home loan eligibility using the FOIR-based calculator.

CALCULATE SIP RETURNS
Estimate how regular investments could grow using your monthly contribution, period and assumed return rate.
- Plan a yearly step-up in your SIP contribution.
- View growth charts and a year-by-year table.
- Compare SIP and RD estimates.
SIP results are projections based on your inputs, not guaranteed investment returns.

CALCULATE FD, RD AND PPF MATURITY
- Calculate FD maturity and interest for a fixed deposit.
- Calculate RD maturity for regular deposits.
- Calculate PPF maturity to explore a long-term savings plan.
Change your inputs to explore different estimates. Check current rates and account terms with the relevant provider.

TRACK REPAYMENTS AND SHARE RESULTS
Use My Loans to mark paid EMIs, view due dates and see overdue alerts. Share PDF reports for loan, SIP and tax calculations.

MORE EVERYDAY TOOLS
Includes a GST calculator with quantity, discount, inclusive or exclusive pricing, and CGST+SGST or IGST options. Supports INR and other currencies for loan calculations.

PRIVATE AND EASY TO USE
No account or sign-up. No ads. On-device calculations and dark mode.
Available in English, Hindi, Tamil, Telugu, Marathi and Bangla.

IMPORTANT
This app is a calculator only. It does not offer, broker or facilitate loans or credit. Results are estimates for educational purposes, not financial advice. Confirm EMI, rates, fees, prepayment rules and eligibility with your lender before borrowing or changing repayments. Investment and deposit results depend on the assumptions and applicable terms; actual returns may differ.

Recent changes:
• New calculators: SIP, FD, RD, PPF, GST & loan eligibility, each on its own page
• SIP step-up planner with growth charts & yearly table
• SIP vs RD comparison
• Editable bank rates + EMI-per-lakh reference
• GST invoice mode: quantity, discount, CGST/SGST/IGST
• Share any result as PDF
• Now in 6 languages incl. हिन्दी, தமிழ், తెలుగు, मराठी, বাংলা
• Better loan tracking with calendar & catch-up
• Bug fixes