Allin1Tool
Calculators collectionFree & Client-Side

Calculators

Loan repayments, investment growth, tax, margins and break-even — with the formula and assumptions shown.

What to know about calculators

Every calculator here states which formula it uses, because for money the method matters as much as the answer. A SIP projection compounded monthly and one compounded annually differ by thousands over a decade; a margin and a markup on the same numbers give different percentages, and confusing them is a common way to underprice.

What these cannot do is model your actual product. Processing fees, insurance premiums, prepayment penalties, floating rates, tax treatment and inflation all move the real outcome, and none of them are in these formulas. Treat a result as a way to compare options and sanity-check a quote — not as the figure you will actually pay or receive.

Where a statutory rate is built in, such as the PPF rate, the tool shows the rate and the date it was correct so you can check it against the current official figure rather than trusting a number frozen in code.

Frequently asked

Why does my bank quote a different EMI?

Almost always fees. The formula gives you the repayment on the principal at the rate you entered; lenders add processing charges, insurance and sometimes a different rounding convention. Use this to compare offers, then work from the lender's amortisation schedule.

Are the investment projections predictions?

No. They apply the return you typed for every year of the term. Real returns vary year to year and can be negative, so the output shows what a constant rate would produce, not what the market will do.

Which currency do these use?

The selector changes the symbol and the formatting only — it does not convert your figures at an exchange rate. Enter amounts in whatever currency you are actually working in.