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Calculate EMI for any loan — home, car, personal or business. Grow savings with compound interest. Measure investment ROI with CAGR and inflation adjustment. Instant results — no signup, no fees, ever.
Pick Your Calculator
3 professional-grade calculators — EMI, compound interest & investment ROI. All free, all instant.
EMI / Loan Calculator
Calculate your exact monthly installment for any loan. Get the full amortization schedule, rate comparisons, and prepayment savings — instantly.
- Home, car, personal, education & business loans
- Month-by-month amortization schedule
- Rate comparison table (current ±2%)
- Prepayment: see interest savings
- Multi-currency: PKR, USD, INR, GBP, EUR
Compound Interest Calculator
Watch your money grow with compounding. Add monthly contributions, choose frequency, and see year-by-year growth with interactive charts.
- Monthly contributions support
- 7 compounding modes: daily to yearly + continuous
- Rule of 72 — money doubling time
- Effective APY calculation
- Year-by-year table + live growth chart
Investment ROI Calculator
Measure returns for stocks, real estate, gold, FDs & business. Get CAGR, inflation-adjusted real ROI, and benchmark comparisons instantly.
- 5 asset types with smart presets
- Simple & Advanced mode (dividends & tax)
- Inflation-adjusted real ROI
- Benchmark: S&P 500, Sensex, Gold, FD
- “What If?” scenarios (-5% to +30%)
3 Steps to Your Answer
Click EMI for loan installments, Compound Interest for savings growth, or ROI for investment returns.
Fill in amount, interest rate, and time period. Use sliders for quick input. Results update instantly as you type.
View charts, tables, and detailed breakdowns. All calculations happen in your browser — 100% private, zero data stored.
Frequently Asked Questions
The standard EMI formula: EMI = [P × R × (1+R)^N] ÷ [(1+R)^N – 1]
P = Principal, R = Monthly rate (Annual ÷ 12 ÷ 100), N = Total months. Example: Rs10 lakh at 12% for 10 years → R=0.01, N=120, EMI ≈ Rs14,347. Our calculator handles all this automatically.
Simple interest: SI = P × R × T (only on principal). Compound interest: A = P(1 + r/n)^(nt) (on principal + accumulated interest).
Example: Rs1 lakh at 10% for 10 years. Simple → Rs2 lakh. Compound (annual) → Rs2,59,374 — over Rs59,000 more! Difference grows dramatically over longer periods.
ROI formula: (Final Value – Cost) ÷ Cost × 100. Annualized ROI (CAGR): [(1 + ROI)^(1/Years) – 1] × 100.
Benchmarks: S&P 500 ~10%/yr, Sensex ~12%/yr, FDs 6–8%/yr. A 15%+ annualized ROI is excellent. Our calculator lets you compare against all major benchmarks.
Home loans: lowest rates (7–12%), up to 30 years → lowest EMI but most total interest. Car loans: moderate (9–14%), 5–7 years. Personal loans: highest rates (12–20%), 1–5 years → highest EMI. Use our calculator to compare all types.
More frequent compounding = slightly more growth. Daily > Monthly > Quarterly > Yearly. For Rs1 lakh at 10% for 10 years: yearly gives Rs2,59,374; daily gives Rs2,71,791 — about Rs12,000 more.
Most bank savings accounts compound quarterly or monthly. Our calculator handles all 7 modes including continuous compounding.
Simple ROI: total return percentage over the entire period. CAGR (Compound Annual Growth Rate): annualized return that accounts for compounding over multiple years. Formula: CAGR = [(End Value / Start Value)^(1/Years) – 1] × 100.
Example: If Rs1 lakh grows to Rs2 lakh in 5 years, simple ROI = 100%, but CAGR = 14.87% per year. CAGR is a more meaningful metric for comparing investments over different time periods.
The Rule of 72 is a quick mental shortcut: divide 72 by your annual interest rate to find how many years it takes to double your money. At 8%/year → 72 ÷ 8 = 9 years to double. At 12% → 6 years. At 6% → 12 years.
Our compound interest calculator includes a built-in Rule of 72 display that auto-calculates your doubling time based on the rate you enter.
Free Finance Calculators — EMI, Compound Interest & Investment ROI
CalcPlex's free finance calculator suite gives you three professional-grade tools in one place: an EMI loan calculator that generates full amortization schedules, a compound interest calculator with monthly contribution support, and an investment ROI calculator with CAGR and inflation adjustment. All calculations run instantly in your browser — your financial data is never sent to any server.
🏦 EMI Loan Calculator — Calculate Monthly Installments for Any Loan
An EMI (Equated Monthly Installment) is the fixed monthly amount you pay to repay a loan over a set tenure. Our free EMI calculator uses the standard reducing-balance formula used by every major bank — HBL, Meezan, MCB, SBI, HDFC, and more:
P = Principal | R = Monthly Rate (Annual ÷ 12 ÷ 100) | N = Months
For a home loan of Rs50 lakh at 8.5% for 20 years: R = 0.00708, N = 240, EMI ≈ Rs43,391/month with total interest of Rs54.1 lakh. The amortization schedule shows exactly how each payment splits between principal repayment and interest — critical knowledge before signing any loan agreement.
Loan types supported:
- Home loan / housing loan / mortgage EMI calculator
- Car loan EMI calculator (new & used vehicles)
- Personal loan EMI calculator
- Education loan / student loan calculator
- Business & MSME loan calculator
Advanced features:
- Rate comparison table (current ± 2% spread)
- Prepayment simulator — see interest saved
- Full month-by-month amortization schedule
- Multi-currency: PKR, USD, INR, GBP, EUR
📈 Compound Interest Calculator — Grow Your Savings & Investments
Compound interest is the most powerful force in personal finance — Albert Einstein reportedly called it the "eighth wonder of the world." Unlike simple interest (calculated only on principal), compound interest is calculated on both your principal and previously earned interest, causing your money to grow exponentially:
P = Principal | r = Annual rate | n = Compounds/year | t = Years
A savings of Rs5 lakh at 7% compounded monthly for 15 years with Rs5,000 monthly contributions grows to approximately Rs21.8 lakh — of which Rs14.3 lakh is interest earned, not contributed.
Calculator features:
- Monthly contributions / SIP support
- 7 compounding frequencies: daily, weekly, monthly, quarterly, semi-annual, annual, continuous
- Rule of 72 — instant money-doubling time estimate
- Effective APY (Annual Percentage Yield) calculation
- Year-by-year growth table and interactive chart
Use it for: SIP mutual funds, PPF, NSC, fixed deposits, savings accounts, recurring deposits (RD), and any savings or investment goal planning.
💰 Investment ROI Calculator — Measure Returns with CAGR & Real ROI
ROI (Return on Investment) measures how much you earned relative to what you invested. But simple ROI doesn't account for time or inflation — which is why serious investors use CAGR (Compound Annual Growth Rate) to compare investments fairly:
CAGR = [(End / Start)^(1/Years) – 1] × 100
Real ROI = [(1 + Nominal ROI) ÷ (1 + Inflation)] – 1
Our calculator also adjusts for inflation (real ROI), accounts for dividends and capital gains tax, and benchmarks your returns against S&P 500 (~10%/yr), Sensex (~12%/yr), gold, and fixed deposits — so you always know how your investment performed relative to alternatives.
Asset types supported:
- Stock market & equity investments
- Real estate & property ROI (Pakistan, India, global)
- Gold & precious metals investment return
- Fixed deposits & bonds
- Business & startup investment ROI
What-If scenarios: Model returns from –5% to +30% to stress-test your portfolio before committing capital. Compare against all major benchmark indices in seconds.
👥 Who Uses CalcPlex Finance Calculators?
Why CalcPlex Finance Tools Are Trusted
- Bank-grade accuracy: Uses the same reducing-balance EMI formula applied by all RBI/SBP-regulated banks
- 100% free, forever: No subscription, no sign-up, no hidden fees — every tool is completely free
- Privacy-first: All calculations happen entirely in your browser — zero data transmitted to any server
- Multi-currency support: Works with PKR, INR, USD, GBP, EUR and more
- Mobile-friendly: Fully responsive design that works perfectly on phones, tablets, and desktops
- Instant results: No page reloads — results update live as you type
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