money · tool no. 67Flat vs Reducing Rate Calculator

See the real rate behind a flat rate

Turn a flat loan rate into the true reducing-balance rate you'd pay.

Let's watch it grow.

Working on it…
keyboard tricks

GST (new)

Add GST to a price or take it out, with the CGST and SGST split. Uses the rates in force since 22 Sep 2025.

SIP (new)

What a monthly SIP could grow to at an expected yearly return. The return is an estimate, not a promise.

Step-up SIP (new)

A SIP that grows by a set percentage every year: total invested and estimated final value.