Loan calculator
Loan ki raqam, interest rate aur muddat likhein aur apni maahana qist, kul interest aur poora repayment schedule dekhein.
Muft istemal karein, account ki zaroorat nahi. Jo aap likhte hain wo aap ke browser mein hi rehta hai.
Maahana qist
Rs 322.67
Kul interest
Rs 1,616.19
Kul adaigi
Rs 11,616.19
Ada hone mein waqt
3 saal
- Asal raqamRs 10,000.00
- InterestRs 1,616.19
Repayment schedule
| Saal | Adaigi | Asal raqam | Interest | Baqaya |
|---|---|---|---|---|
| 1 | Rs 3,872.06 | Rs 3,007.42 | Rs 864.64 | Rs 6,992.58 |
| 2 | Rs 3,872.06 | Rs 3,322.34 | Rs 549.72 | Rs 3,670.23 |
| 3 | Rs 3,872.06 | Rs 3,670.23 | Rs 201.83 | Rs 0.00 |
Ye kaise calculate hota hai
Maahana qist standard amortization formula se nikalti hai:
M = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
M maahana qist hai, P loan ki raqam hai, r maahana interest rate hai (salana rate ÷ 12 ÷ 100) aur n maahana qiston ki tadaad hai.
Agar interest rate 0% ho to qist sirf loan ki raqam ko maah ki tadaad se taqseem karne se nikalti hai.
Har maah interest baqaya raqam × r hota hai, aur qist ka baqi hissa baqaya kam karta hai. Zyada adaigi seedhi baqaya mein jati hai, is liye aap kam raqam par interest dete hain aur jaldi farigh ho jate hain.
Ye calculator fixed interest rate, har maah ke aakhir mein barabar qiston aur kisi fees ke baghair hisaab lagata hai. Aap ke lender ke figures thore mukhtalif ho sakte hain.
Misaal ke saath hisaab
Rs 10,000.00 ka loan 10% salana par 3 saal ke liye lein to maahana qist Rs 322.67 hoti hai. Kul aap Rs 11,616.19 dete hain, jis mein se Rs 1,616.19 interest hai.
Loan calculator ke sawalat
Maahana loan qist kaise nikalti hai?
Ye standard amortization formula istemal karta hai: qist = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), jahan P loan ki raqam hai, r maahana interest rate hai aur n qiston ki tadaad hai. Tafseel ke liye upar “Ye kaise calculate hota hai” dekhein.
Agar main har maah zyada adaigi karoon to kya hota hai?
Zyada adaigi seedhi loan ke baqaya mein jati hai. Aap chhote baqaya par interest dete hain, is liye loan jaldi ada hota hai aur kul interest kam lagta hai. Bachaya gaya waqt aur interest dekhne ke liye zyada raqam likhein.
Kya interest rate APR hai?
Nahi. Ye calculator nominal salana interest rate istemal karta hai aur use maahana lagata hai. APR mein fees shamil ho sakti hain, is liye wo aap ke likhe rate se zyada ho sakta hai. Loan ke liye apne lender ka bataya hua rate istemal karein.
Mera bank thori mukhtalif qist kyun dikha sakta hai?
Banks alag tarah se round kar sakte hain, fees ya insurance le sakte hain, rozana interest istemal kar sakte hain, ya pehli qist theek aik maah baad na ho. Nateeje ko qareebi andaza samjhein aur sahi raqam apne lender se confirm karein.
Kya meri maloomat kahin mehfooz ya bheji jati hain?
Nahi. Hisaab aap ke browser mein hota hai. Jo figures aap likhte hain wo humein nahi bheje jate aur na mehfooz hote hain.
Mutaalliq calculators
- Investment calculatorDekhein ke bachat compound interest se kaise barh sakti hai, aap ke farz kiye gaye return rate aur optional maahana contributions ke saath.
- Budget calculatorApni maahana income aur ahem expenses likhein aur dekhein ke kitna bachta hai aur aap income ka kitna hissa bachate hain.
- Cash flow calculatorDekhein ke aap har maah kitna cash bachate ya jalate hain, aap ka balance kya hoga aur aap ka cash kitna chalega.
Nataij planning ke liye andaze hain. Ye maali, tax ya mazhabi mashwara nahi hain.