HomeHow We Calculate

How We Calculate

Last updated: June 2026

Transparency in Every Number

We believe you shouldn't have to take a calculator's word for it. This page documents the formulas and assumptions used across our tools so you can verify any result independently.

Loan and EMI Calculations

Our loan and EMI calculators use the standard amortization formula:

EMI = [P × R × (1+R)^N] ÷ [(1+R)^N − 1]

Where P is the loan principal, R is the monthly interest rate (annual rate ÷ 12 ÷ 100), and N is the total number of monthly installments. This is the same formula used by banks and lending institutions for standard reducing-balance loans.

Interest Calculations

Simple Interest
Interest = (P × R × T) ÷ 100
where T is time in years
Compound Interest
A = P(1 + R/n)^(nt)
where n is the number of times interest compounds per year

Assumptions We Make

  • Unless stated otherwise, calculations assume a fixed interest rate for the full tenure.
  • We assume monthly compounding for EMI-based calculators unless a tool specifies otherwise.
  • Calculators do not automatically include processing fees, insurance, or other lender-specific charges unless there's a dedicated field for them — always check your loan agreement.
  • Currency and regional defaults are set for general use; figures can be adjusted manually for any currency or region.

Health Calculations

BMI
BMI = weight (kg) ÷ height² (m²)
WHO standard categories
Calorie / TDEE
Mifflin-St Jeor formula × activity multiplier
Standard for TDEE estimation
Body Fat
US Navy circumference method
Estimates only — DEXA is more accurate
Max Heart Rate
220 − age
Standard Tanaka approximation

Data Sources

General interest rate ranges and examples shown in our guides are for illustration only. We do not pull live, real-time bank rates — every calculator requires you to enter your own rate for an accurate, personalized result. Currency conversion rates shown are reference rates for educational purposes only and should not be used for actual financial transactions.

Limitations

These tools provide estimates for planning purposes. Actual loan terms, fees, and final repayment amounts are set by your lender and may differ from calculator outputs. Always confirm final figures directly with your bank or lending institution before making any financial decision.