How is EMI calculated for a loan?

EMI equals P multiplied by r multiplied by (1+r)^n, divided by ((1+r)^n minus 1), where P is the principal loan amount, r is the monthly interest rate, and n is the total number of monthly instalments.

Are these financial calculators free to use?

Yes, all calculators on EasyFinance4u including the SIP, EMI, FD, PPF, Tax calculator and currency converter are completely free to use with no login or signup required.

Which tax regime should I choose, New or Old?

The New Regime offers lower tax rates but fewer deductions, while the Old Regime allows deductions like Section 80C but has higher rates. Use the Tax Calculator to compare both regimes based on your actual income and eligible deductions before deciding.

How do I calculate the average price of my stock after buying more shares?

The new average price is calculated by adding the total cost of your existing holding and the new purchase, then dividing by the total number of shares: New Average Price equals ((Existing Quantity times Existing Average Price) plus (New Quantity times New Buy Price)) divided by (Existing Quantity plus New Quantity).

Free Finance Calculators & Currency Converter

Plan your investments, loans and taxes with our free SIP, EMI, FD, Tax and PPF calculators — plus a live currency converter. No signup required.

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🧮 Free Finance Calculators

Monthly Investment (₹)

Expected Return (% p.a.)

Time Period (Years)

—

Maturity Amount

—

Total Gain

Loan Amount (₹)

Interest Rate (% p.a.)

Tenure (Years)

—

Monthly EMI

—

Total Interest

Principal (₹)

Interest Rate (% p.a.)

Duration (Years)

—

Maturity Amount

—

Interest Earned

Annual Income (₹)

Tax Regime

80C Deductions (₹)

—

Tax Payable

—

Effective Rate

Yearly Investment (₹)

PPF Rate (% p.a.)

Duration (max 15 yrs)

—

Maturity Amount

—

Interest Earned

Existing Quantity (Shares Held)

Existing Average Price (₹)

New Quantity (Shares to Buy)

New Buy Price (₹)

—

New Average Price

—

Total Quantity

—

Total Investment

Total Investment (₹)

Monthly Withdrawal (₹)

Expected Return (% p.a.)

Duration (Years)

—

Final Investment Value

—

Total Withdrawn

—

Total Interest Earned

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📋 In This Article

How to use these financial calculators
Formulas used in each calculator
Why calculating before investing matters
How the currency converter works

How to Use These Financial Calculators

SIP Calculator — estimates maturity value of monthly mutual fund investments
EMI Calculator — shows your monthly loan instalment and total interest
FD Calculator — calculates maturity value with quarterly compounding
Tax Calculator — estimates tax liability under New and Old regimes
PPF Calculator — projects maturity value over up to 15 years
Stock Average Calculator — calculates your new average buy price after purchasing more shares of a stock you already hold
SWP Calculator — estimates how long your investment lasts, and the final balance left, when you withdraw a fixed amount regularly from a mutual fund

Formulas Used in Each Calculator

SIP Formula

M = P × (((1+r)^n − 1) / r) × (1+r)

EMI Formula

EMI = P × r × (1+r)^n / ((1+r)^n − 1)

FD Formula

M = P × (1 + r/4)^(4×t) — quarterly compounding

Why Calculating Before Investing Matters

A small change in interest rate or tenure can significantly affect your returns or repayment amount. Calculating before deciding helps you compare options, understand true loan costs, plan tax-saving investments and set realistic goals.

How the Currency Converter Works

Fetches live exchange rates updated every 60 seconds, covering USD, EUR, GBP, AED, JPY, SGD and CAD against the Indian Rupee.

⚠️ Disclaimer: Calculator results and currency rates are indicative only and do not constitute financial advice. Consult a SEBI-registered financial advisor before investing.

Frequently Asked Questions

How is SIP return calculated? ▼

M = P × (((1+r)^n − 1) / r) × (1+r), where P is monthly investment, r is monthly return rate, n is months.

How is EMI calculated? ▼

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly rate, n is number of instalments.

Are these calculators free? ▼

Yes, all calculators are completely free with no login or signup required.

How accurate is the currency converter? ▼

Uses live rates updated every 60 seconds. May differ slightly from bank/forex rates due to spreads.

Which tax regime should I choose? ▼

New Regime has lower rates but fewer deductions; Old Regime allows 80C deductions but higher rates. Compare using the calculator.

How do I calculate my stock average price? ▼

New Average Price = ((Existing Quantity × Existing Average Price) + (New Quantity × New Buy Price)) ÷ (Existing Quantity + New Quantity). Use the Stock Average Calculator above.

What is a Systematic Withdrawal Plan (SWP) and how does the calculator work? ▼

An SWP lets you withdraw a fixed amount from your mutual fund at regular intervals while the rest keeps earning returns. Our calculator simulates this month by month — applying your expected return to the balance, then deducting the withdrawal — to show your final value, total withdrawn, and total interest earned.