Use this flat vs reducing interest rate calculator to see the real cost of a loan. Enter the loan amount, rate, tenure, and choose “Flat” or “Reducing.” You’ll get monthly EMI for both methods, total interest, total repayment, and the cost difference in rupees and percent.
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First-Time Investors Learning to Average Their Trades
See how a new lot changes cost. Plan the next step with transparent math.
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Active Traders Managing Multiple Buy Orders
Combine intraday and swing entries in one view. Confirm if an add improves cost or adds risk.
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Long-Term Investors Averaging Down on Stocks
Test staged entries at target levels. Keep each move within budget.
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Portfolio Managers Needing Accuracy in Cost Tracking
Clean inputs and reproducible numbers. Bulk paste speeds month-end checks.
Yes. It calculates short term capital gains at 15 percent and long term capital gains at 10 percent above ₹1 lakh for listed equity and equity mutual funds when STT applies.
Yes. NRIs can estimate Indian tax on equity and fund gains. Use the export to review TDS and treaty points with your advisor.
Absolutely. It is free, accurate, and requires no signup.
Yes. Intraday profits appear under business income at slab rates. You can add eligible expenses for a closer view.
Yes. The rates and holding period rules reflect the latest Indian framework. Surcharge and cess are shown as separate lines in the output.
