Banking calculators
FDs, RDs, credit cards, transfers, NRI banking, bank charges — everything you need to plan deposits, compare card costs, or work out NEFT/UPI/ATM fees without opening a spreadsheet.
Deposits & Savings
🏦Fixed deposit (FD) Popular
FD maturity at your bank’s current rate with quarterly compounding.
🪙Recurring deposit (RD)
Monthly RD contributions and maturity with compounding.
💰Savings account interest
Daily-balance × rate × 365 with quarterly credit and TDS impact.
🧾Tax-saver FD (5-yr, 80C)
5-yr lock-in FD with 80C deduction and post-tax yield.
👴Senior citizen FD
FD with +0.5% rate plus Section 80TTB ₹50,000 exemption.
⏪FD premature withdrawal
Net amount after 0.5–1% rate cut and recomputed interest.
⚖️Cumulative vs non-cumulative FD
Maturity vs monthly payout comparison side-by-side.
🪜FD ladder strategy
Split corpus across 1/2/3/4/5-yr FDs with rolling reinvestment.
🔒Loan against FD
Limit (typ. 90% of FD), interest rate (FD + 1–2%), EMI.
India Small-Savings Schemes
🏛️PPF (15-yr)
Public Provident Fund maturity at current rate.
📮Post Office MIS
Monthly Income Scheme — max ₹9L single / ₹15L joint.
📜NSC (5-yr, 80C)
National Savings Certificate with annual compounding.
🌾KVP (Kisan Vikas Patra)
Money-doubling tenure at the current rate.
🗓️Post Office Time Deposit
1 / 2 / 3 / 5 year POTD maturity.
👩Mahila Samman Saving
2-yr women’s scheme, ₹2L cap at 7.5%.
Credit & Debit Cards
💳Credit card payoff
Months and interest to clear the balance at a chosen monthly payment.
⚠️Minimum-due trap New
Total time and interest if you only pay minimum due each month.
📊Credit utilization ratio
Per-card and overall utilization % with credit-score impact band.
🔁Balance transfer
Net savings after transfer fee on a credit-card balance move.
Loans & EMI
💳Loan EMI
Monthly installment for any loan with full amortization.
🏡Home loan
Indian home-loan EMI with 80C & 24(b) tax savings.
🚗Car loan
Auto-loan EMI with down payment and trade-in.
💰Personal loan
Unsecured personal loan EMI and amortization.
🎓Education loan EMI
EMI with moratorium during course; Section 80E deduction.
🛵Two-wheeler loan EMI
EMI with down payment and 1–4 year tenure.
💼Business loan EMI
MSME / OD loan EMI with processing fee and GST.
➕Home loan top-up
Combined EMI when you add a top-up tranche.
🏘️Loan against property
LAP eligibility (50–70% of value), tenure, EMI.
🥇Gold loan
LTV-based loan amount and EMI for pledged gold.
⏸️EMI moratorium impact
Extra interest and tenure added by an N-month moratorium.
Overdraft & Statements
Transfers & Bank Charges
💸NEFT / RTGS / IMPS / UPI fees
Bank-wise slab fees for each transfer mode plus GST.
⚖️MAB penalty
Penalty when your savings balance dips below the MAB.
🏧ATM withdrawal fee
Free transactions per month and per-withdrawal fee beyond.
📊Average Quarterly Balance
AQB for current accounts — daily-balance average.
NRI / Foreign Exchange
🌍NRE vs NRO FD
After-tax comparison — NRE tax-free vs NRO TDS 30%+cess.
💵FCNR deposit
Foreign-currency deposit maturity in USD/GBP/EUR/JPY with FX impact.
💱DCC markup
True cost when you pay abroad in INR vs local currency.
💳Forex card vs debit card
Per-transaction fee plus FX markup and withdrawal cap comparison.
📤Cross-border remittance
Bank wire vs Wise vs WU vs Remitly cost for a given corridor.