Loan & tax calculator

Ganitva

The rate behind the quote — plus the money calculators you reach for every week, in one app. A quote of 8% flat is not 8%. Ganitva folds the processing fee, bundled insurance and advance instalments into the rate you are actually paying.

Get it on Google Play

Free on Google Play · Android · No ads

Where it helps

The flat-rate quote

Vehicle and consumer loans are still quoted flat. Enter 8% flat over three years and Ganitva shows 14.55% on a reducing balance — and that is before the processing fee, which it adds in too.

Two offers on the table

Compare ranks loan quotes on the effective rate with every fee counted, not on whose instalment looks smaller.

Money left over to prepay

Prepayment shows whether cutting the tenure or cutting the EMI saves you more interest, side by side.

What it does

Effective cost: the real reducing-balance rate behind a flat quote, no-cost EMI offers included
Instalment: fix any three of amount, rate, tenure and EMI, and the fourth follows
Repayment schedule by month or financial year, with CSV export
Income tax, new regime against old, for Tax Year 2026-27
SIP, lump sum, XIRR, FD, RD, PPF, PF, gratuity, HRA, GST and more
Indian number grouping, and amounts typed in lakh or crore

What it does with your data

Every calculation happens on the phone. No figure you type ever leaves it, and every calculator works in flight mode.
The gold and currency screens fetch that day's published rates. That can be switched off in Settings.
The app counts which screens are opened, anonymously and with no advertising ID. That can be switched off in Settings too.
No account, no sign-in, no advertising.

Read the full Ganitva privacy policy

Good to know

Ganitva is a calculator, not an adviser. It does arithmetic on the figures you enter and does not offer, arrange or recommend any loan or investment. The terms a lender actually quotes govern the real agreement.