Guides
Practical explainers that answer one money question, then open the right calculator
These guides are written for real planning tasks - EMI before a loan, SIP versus lumpsum, GST on a quote, and more. Each page stays focused, shows a worked example, and links into a Toolance calculator. For product questions about the site or app, see FAQs. For longer stories and checklists, visit the blog.
Loans
How to calculate EMI before you take a loan
Estimate your monthly installment from amount, rate and tenure so you can compare offers with clearer numbers.
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Mortgage payment basics for first-time buyers
Understand loan amount after down payment, monthly EMI and what the calculator leaves out.
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Tax
GST inclusive vs exclusive price in simple terms
Learn how to add GST to a net price or remove GST from a tax-inclusive total for Indian invoices.
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VAT on invoices for freelancers
Add or remove VAT on quotes and invoices, then turn numbers into a PDF when you are ready to bill.
Read articleSalary & insurance
How much life cover is enough?
Estimate a life cover need from income, expenses and existing cover - then sense-check premium separately.
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Salary CTC to in-hand: what usually gets deducted
See how Indian CTC becomes monthly take-home after PF, professional tax and a simplified tax sketch.
Read articleGuide for every calculator
Choose a topic or search by name. Every guide explains the inputs, calculation flow, result and common mistakes.
42 guides
How to use the EMI Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the EMI Calculator.
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How to use the Personal Loan EMI Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Personal Loan EMI Calculator.
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How to use the Interest Rate Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Interest Rate Calculator.
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How to use the Mortgage Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Mortgage Calculator.
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How to use the Compare Loan Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Compare Loan Calculator.
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How to use the Loan Eligibility Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Loan Eligibility Calculator.
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How to use the Auto Loan Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Auto Loan Calculator.
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How to use the Car Loan Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Car Loan Calculator.
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How to use the Bike Loan Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Bike Loan Calculator.
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How to use the Consumer Loan Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Consumer Loan Calculator.
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How to use the Age Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Age Calculator.
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How to use the Salary Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Salary Calculator.
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How to use the Savings Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Savings Calculator.
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How to use the Discount Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Discount Calculator.
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How to use the Compound Interest Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Compound Interest Calculator.
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How to use the GST Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the GST Calculator.
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How to use the VAT Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the VAT Calculator.
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How to use the SIP Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the SIP Calculator.
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How to use the SIP Delayed Start Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the SIP Delayed Start Calculator.
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How to use the SWP Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the SWP Calculator.
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How to use the Compare SIPs Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Compare SIPs Calculator.
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How to use the Lumpsum Return Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Lumpsum Return Calculator.
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How to use the Lumpsum vs SIP Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Lumpsum vs SIP Calculator.
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How to use the FD Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the FD Calculator.
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How to use the RD Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the RD Calculator.
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How to use the PPF Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the PPF Calculator.
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How to use the EPF Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the EPF Calculator.
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How to use the Inflation Impact Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Inflation Impact Calculator.
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How to use the Life Insurance Need Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Life Insurance Need Calculator.
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How to use the Health Insurance Need Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Health Insurance Need Calculator.
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How to use the Term Premium Estimator
A practical guide to the inputs, calculation flow, result and common mistakes in the Term Premium Estimator.
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How to use the Debt Payoff Planner
A practical guide to the inputs, calculation flow, result and common mistakes in the Debt Payoff Planner.
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How to use the Balance Transfer Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Balance Transfer Calculator.
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How to use the Profit Margin Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Profit Margin Calculator.
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How to use the Break-even Point Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Break-even Point Calculator.
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How to use the ROI Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the ROI Calculator.
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How to use the ROAS Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the ROAS Calculator.
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How to use the CLV Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the CLV Calculator.
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How to use the CAC Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the CAC Calculator.
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How to use the Influencer ROI Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Influencer ROI Calculator.
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How to use the Affiliate Commission Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Affiliate Commission Calculator.
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How to use the Commission Calculator
A practical guide to the inputs, calculation flow, result and common mistakes in the Commission Calculator.
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