EMI Calculator: SIP, FD & RD

EMI is calculated as monthly payment = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate and n the tenure in months — EMI Calculator does the maths instantly for loans, SIPs, FDs and RDs.

• EMI calculator – home loan, car loan and personal loan EMI, with total interest, total payment and a principal vs interest breakdown
• SIP calculator – monthly SIP growth with invested amount and estimated returns
• FD calculator – fixed deposit maturity with quarterly compounding, as banks do it
• RD calculator – recurring deposit maturity and interest
• Dark mode – system, light or dark theme
• Share – send any result to WhatsApp or email

Made for India: amounts are shown in Indian format (₹12,34,567) so lakhs and crores read correctly, matching how Indian banks quote EMI and FD figures.

Common questions

How is EMI calculated? EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r the monthly interest rate and n the number of months.

How much is the EMI on a ₹25 lakh home loan at 8.5% for 20 years? About ₹21,696 a month, ₹52,06,939 repaid in total.

How does a SIP calculator work? It compounds each monthly instalment for the months it stays invested. ₹5,000 a month for 10 years at 12% comes to about ₹11.6 lakh on ₹6 lakh invested.

How is FD interest compounded? Quarterly, the way Indian banks do it.

What is the difference between an FD and an RD? An FD is one lump sum deposited once. An RD is a fixed amount paid in every month.

Does it work without internet? Yes. Nothing leaves your phone.

Privacy: works fully offline, no account, no personal data collected. Shows ads.

More from Sahi Apps: https://sahiapps.com/emi-calculator/