Money and loans guides
EMI, SIP, interest, tax, margins and other money formulas, with worked examples.
38 articles
- Break-Even Point Formula: Units, Revenue, ExamplesWork out your break-even point: fixed costs ÷ contribution per unit. A ₹60,000 coffee-shop example shows break-even units, revenue and the effect of price.Pricing & Profit · 6 min read
- Cap Rate Formula: NOI ÷ Property Value ExplainedCap rate calculator guide: work out NOI, divide by price and value a shop or office, with a ₹1.1 crore example giving 6.21%.Cap Rate · 7 min read
- Car Loan EMI Calculator: Down Payment vs EMICar loan EMI calculator formula with a ₹10 lakh car example showing how the down payment and tenure change your EMI and the total interest paid.Car Loan EMI · 7 min read
- Simple Interest vs Compound Interest: FormulasSimple interest calculator maths (P × r × t) set beside compound growth, using ₹1 lakh at 8% for 5 years to show exactly what compounding adds.Savings & Interest · 7 min read
- Conversion Rate Formula: From Visitors to OrdersConversion rate: divide conversions by visitors, read the percentage correctly and see what a lift from 2.4% to 3% is worth.Conversion Rate · 7 min read
- Customer Acquisition Cost: How to Work Out Your CACCustomer acquisition cost: divide sales and marketing spend by new customers, then test the result against profit per customer.Customer Acquisition Cost · 7 min read
- How to Calculate EPF Balance With Monthly InterestEstimate your EPF balance from contributions and interest with a worked ₹2,00,000 example, a growth table and tips to check it against your passbook.EPF Balance · 7 min read
- Extra Mortgage Payments: How Much Time You SaveExtra mortgage payments calculator guide: see how ₹5,000 more a month cuts a ₹40 lakh loan by 62 months and saves about ₹12.99 lakh.Extra Mortgage Payments · 7 min read
- Fixed Deposit Interest: Payout vs MaturityCalculate fixed deposit interest both ways: cumulative maturity with quarterly compounding, and monthly or quarterly payout, using an assumed 7% on ₹1 lakh.Fixed Deposits · 7 min read
- Gross Profit Margin Formula and How to Use ItGross profit margin: subtract cost of goods sold from revenue, divide by revenue and set a price that hits your target margin.Gross Profit Margin · 7 min read
- Home Affordability Calculator: What Can You Afford?Home affordability: turn a monthly budget into an EMI, a loan size and a property price, with tables for rates and tenures.Home Affordability · 7 min read
- Home Loan EMI Formula and Amortization ScheduleHome loan EMI calculator formula with a ₹30 lakh example, a month-by-month amortization schedule and the effect of 15, 20 and 25-year tenures.Home Loans · 7 min read
- How to Calculate Fixed Deposit Interest: FormulaHow to calculate fixed deposit interest with the simple and compound formulas, a ₹50,000 worked example and a chart of compounding frequencies.Fixed Deposits · 6 min read
- How to Calculate SIP Returns: Formula and TableHow to calculate SIP returns with the future-value formula: a ₹5,000-a-month example and tables showing how years and assumed rates change the result.SIP & Investing · 7 min read
- Income Tax New Regime 2026-27: Step-by-Step MethodWork out income tax under the new regime for FY 2026-27 (AY 2027-28): taxable income, slab-by-slab tax, then rebate, surcharge and cess in the right order.New Tax Regime · 7 min read
- Loan Amortization Schedule: How to Build OneLoan amortization: build a schedule row by row for ₹7,50,000 at 9% and see how each EMI splits into interest and principal.Loan Amortization · 7 min read
- Loan Payoff Calculator: Months and Interest You SaveUse a loan payoff calculator to see how an extra ₹1,000 a month cuts a ₹1,00,000 loan from 23 months to 19 and saves about ₹2,189 in interest.Loan Payoff · 7 min read
- Lump Sum Investment Calculator: Future Value FormulaLump sum investment calculator formula with a ₹1,00,000 example, a growth chart for 6% to 12% and a way to work back from a target amount.Lump Sum Investment · 6 min read
- Markup Calculator: Find Selling Price From CostMarkup: add a percentage to cost to get the selling price, convert markup to margin and avoid the common markup-on-price error.Markup · 6 min read
- Mortgage Payment Formula: Step-by-Step ExampleMortgage payment calculator guide: use the formula M = P × r ÷ [1 − (1 + r)^−n], with a ₹60 lakh example giving about ₹50,352 a month.Mortgage Payment · 7 min read
- Mortgage Refinance Calculator: Is Switching Worth It?Test a mortgage refinance with a break-even check: ₹90,000 of costs against ₹3,000 saved a month takes 30 months to recover, then compare total cost.Mortgage Refinance · 7 min read
- How to Calculate Net Profit Margin Step by StepNet profit margin: deduct every cost including interest and tax from revenue, divide by revenue and read what the percentage means.Net Profit Margin · 7 min read
- NPS Pension Calculator: Corpus to Monthly PensionNPS pension calculator formulas for the corpus and the annuity, a ₹40 lakh example and a table of monthly pension at 5%, 6% and 7% payout rates.NPS Pension · 7 min read
- Old vs New Tax Regime 2026-27: Which Costs Less?Compare the old and new tax regime for FY 2026-27 by computing final tax under each. A two-column sheet and a deduction break-even show which costs less.Old vs New Tax Regime · 7 min read
- Personal Loan EMI Calculator: Fees, Rate and TenureWork out a personal loan EMI with the reducing-balance formula: ₹3,00,000 at 12% for 3 years is about ₹9,964 a month, before a processing fee raises the cost.Personal Loan EMI · 7 min read
- PPF Maturity Calculator: Why Deposit Dates MatterPPF maturity calculator method with a ₹60,000-a-year example at an assumed 7% and a table showing how the date of each deposit changes the interest.PPF Maturity · 7 min read
- Recurring Deposit Interest Calculator: RD FormulaRecurring deposit interest calculator formula with a ₹3,000-a-month example, a tenure table and the quarterly compounding method many banks use.Recurring Deposit Interest · 6 min read
- Rental Yield: Gross vs Net, With a Flat ExampleRental yield: work out gross and net yield on a ₹90 lakh flat renting at ₹25,000 and see why they differ by a full percentage point.Rental Yield · 6 min read
- ROAS Formula: What a 4x Return on Ad Spend MeansROAS: divide ad revenue by ad spend, find your break-even ROAS from gross margin and judge each campaign by profit, not the ratio.ROAS · 7 min read
- ROI Formula: Calculate Return on InvestmentROI calculator guide: use the ROI formula, see a ₹3,00,000 worked example and turn total ROI into an annual rate to compare options.ROI · 6 min read
- Step-Up SIP Calculator: Formula and 10-Year ChartStep-up SIP calculator formula with a ₹5,000 start, a 10% yearly increase and a year-by-year chart, plus how the result compares with a flat SIP.Step Up SIP · 7 min read
- Student Loan EMI Calculator: Grace Period and InterestCalculate a student loan EMI after the study period: a ₹5,50,000 balance at 10% over 7 years gives about ₹9,131 a month; see how grace-period interest builds.Student Loan EMI · 7 min read
- SWP Withdrawal Calculator: How Long Will It Last?SWP withdrawal calculator formula showing how long a ₹10 lakh corpus lasts at different withdrawal and return assumptions, with worked examples.SWP Withdrawal · 7 min read
- How to calculate EMI: a simple guideUnderstand how EMI works, learn the formula, and see a step-by-step example to calculate your monthly payments with ease.Loans & EMI · 6 min read
- Simple vs. compound interestSee the key differences, with real examples to help you understand how interest grows.Interest · 5 min read
- Plan your budget, step by stepLearn how to plan a simple budget, track your spending and make informed decisions with your money.Budgeting · 6 min read
- How SIP returns are calculatedUnderstand the SIP formula, how monthly investing compounds, and what a realistic projection looks like.Investing · 6 min read
- CAGR explained: growth rate made simpleSee how CAGR smooths uneven returns into one yearly rate, with a formula and a worked example.Investing · 5 min read
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