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SIP CalculatorMonthly investing, compoundedStep-up SIP CalculatorSIP that rises every yearLumpsum CalculatorOne-time investment growthSWP CalculatorMonthly withdrawals from a corpusCAGR CalculatorAnnual growth rate of an investmentGoal PlannerSIP or one-time amount to reach a targetRetirement CalculatorCorpus you need to retireInflation CalculatorFuture cost and lost buying powerSave & retire
FD CalculatorFixed deposit maturityRD CalculatorRecurring deposit maturityPPF Calculator15-year tax-free savingsNPS CalculatorPension corpus and monthly pensionEPF CalculatorProvident fund corpus at 58Sukanya Samriddhi CalculatorSSY maturity for your daughterGratuity CalculatorGratuity when you leave a jobLoans
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Why the first years are mostly interest.
Each EMI pays the month's interest on what you still owe, and the rest reduces the loan. Early on you owe a lot, so most of the EMI is interest.
A 20-year home loan at 8.5% costs roughly as much in interest as the loan itself. Cutting tenure, or prepaying in the first years, saves the most.
Add processing fees and insurance to the interest. For car and personal loans, compare the total amount you pay, not only the EMI.
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