Stop guessing about your future — Engineer it. Advanced projection tools combining bank-grade math with clear, actionable insights.
Privacy
100% Secure
Formulas
Bank Grade
Updated
FY 2026 Ready
Standard Repayment Plan
Principal
₹60L
Rate
7.75%
Tenure
20 Yrs
Monthly EMI
₹49,257
Total Interest
₹58.2 Lakhs
Select a free calculator below to generate instant projections. No login required.
Detailed amortization schedules with pre-payment return analysis.
See how small investments turn into long-term wealth with our SIP projector.
Instant affordability check for weddings, travel, or medical emergencies.
Majority of calculators just show the monthly payment. We reveal the hidden costs, the inflation impact, and the fastest way to achieve financial freedom.
"I'll just pay the minimum EMI for 20 years."
Banks love long tenures because you pay twice the principal in interest. Our Smart Loan Engine calculates how small prepayments can save you lakhs.
"₹1 Crore sounds like enough for retirement."
Inflation eats your money while you sleep. Our SIP Projector is inflation-adjusted, showing you the true purchasing power of your future wealth.
"I checked a rate, now agents won't stop calling."
Financial planning requires honesty, not sales calls. GearsKit is developed on a Zero-Knowledge Architecture. Your data doesn't go out of your browser.
Engineered for Accuracy
Majority of people use calculators to check a monthly payment. Smart investors use them to create a roadmap. Select your current life stage:
Pay attention to aggressive wealth accumulation and tax efficient planning.
Optimizing big loans and managing cash flow for major purchases.
Capital management for business growth and custom financial modeling.
Master the mechanics of money. Simple, accurate explanations for complex banking and investment terminology.
The mathematical process of spreading out a loan into a series of fixed payments. You pay mostly interest early on, and mostly principal later.
The phenomenon where you earn interest not just on your original investment, but also on the interest that investment has already accumulated.
A legally authorized grace period during which you are not required to make loan repayments. Note: Interest usually continues to accrue during this time.
An interest calculation method where the bank only charges interest on the remaining principal amount, rather than the original borrowed amount.
Data-driven analysis on Wealth Creation, Tax Efficiency, and Debt Structuring.
Protect your trading capital in 2026 using the proven 7% Rule with smart stop-loss strategies, risk control, real examples, and disciplined position sizing for consistent success.
Stop Just Paying EMI—Start Building Wealth Instead. What if your home loan could fund your investments? The Cash Flow Quadrant Strategy reveals how to use a Flexi Loan to create a "wealth recycling loop" that reduces interest while generating returns. Learn the exact method to: ✓ Slash 5+ years off your loan tenure ✓ Create investment capital from your loan balance ✓ Master the "bonus hacker" technique for salaried professionals ✓ Transform your mortgage from liability to asset
Think a low EMI means your loan is safe? In 2026, that belief is destroying finances silently. Discover the 3 hidden loan traps banks don’t explain—and how smart borrowers avoid lakhs in losses before signing the loan.
Silver prices dropped precipitously down to record levels and investors were left scrambling to find an explanation. This in-depth discussion can be used to explain the actual causes of the crash in the prices of silver such as profit booking, market correction, industrial demand issues as well as the macroeconomic indicators-and what long-term silver investors should do now.
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