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Calculators

Loan, EMI, interest, GST, discount, BMI and percentage calculators with clear, step-by-step results.

12 tools · all free, all run in your browser

These calculators cover the arithmetic that decides real money and real decisions: what a loan actually costs once interest is included, how much a stacked discount really saves, what margin a price leaves you, and how an investment compounds over twenty years. Rather than returning a bare number, each one shows the working, the breakdown and — where it applies — a year-by-year schedule, so you can see where the figure comes from and sanity-check it against a quote you have been given.

Borrowing and repayment

The cost of a loan is dominated by two things people underestimate: the term and the direction of early payments. Because interest is charged on the outstanding balance, the first years of a long loan are mostly interest and barely touch the principal. Extending a term lowers the monthly payment but can dramatically increase the total repaid. The amortisation schedules here make both effects visible, and let you test what an extra payment each month would actually save.

Percentages, margins and pricing

Percentages are where quick mental maths most often goes wrong. Stacked discounts do not add — 20% then 10% is 28% off, not 30%. Margin and markup are not the same measure: a 50% markup on cost is only a 33.3% margin on the selling price. A rise and an equal-sized fall do not return you to the starting figure, because each applies to a different base. Each calculator here states which convention it is using so the result is unambiguous.

Estimates, not advice

Every financial figure produced here is an estimate based purely on the numbers you enter. Real lenders add processing fees, insurance and taxes, and quote an APR that folds those in; real investments carry fees, tax and sequence risk that a smooth projection cannot capture. Health measures such as BMI are population-level screening indicators rather than diagnoses. Use these tools to understand the shape of a decision, then confirm the specifics with a qualified professional.

Calculators — questions

Which currency do the financial calculators use?
None in particular. They are currency-agnostic, so enter figures in whatever currency you are working in and read the results in the same one.
Is the EMI formula the same one my bank uses?
Yes. It uses the standard reducing-balance amortisation formula that mainstream lenders apply. Small differences usually come from fees, rounding conventions or the exact day count the lender uses.
Do these calculators count as financial advice?
No. They are informational tools that show arithmetic. For decisions with real consequences, speak to a qualified financial adviser or your lender.
Are my figures saved anywhere?
No. The numbers you enter stay in your browser and are discarded when you close the page.

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