Categories

Loans

Categories LOA

Loan Amortization: Why You Pay Mostly Interest in the First Few Years

On a ₹40 lakh home loan at 8.75% for 20 years, your first EMI of ₹35,392 includes ₹29,167 in interest and only …

Open calculator
Categories HOM

Home Loan vs Renting: The Honest Financial Comparison for Indian Cities

In Mumbai, a ₹1.5 crore flat on a 20-year home loan costs ₹1.3 lakh EMI. The same flat rents for …

Open calculator
Categories CRE

Credit Card Interest Calculation: Why the 3.5% Monthly Rate is Devastating

3.5% per month sounds small. It's 42% per year. On a ₹50,000 unpaid balance, you owe ₹21,000 in interest over …

Open calculator
Categories CAR

Car Depreciation in India: How Much Your Car Loses Every Year

A new car loses 15-20% of its value in the first year and 10-15% each year after that. On a ₹10 lakh car, …

Open calculator
Categories DEB

Debt-to-Income Ratio: Why Banks Reject Loan Applications in India

Your debt-to-income ratio — total EMIs divided by net monthly income — is the number banks look at first. …

Open calculator
Categories STA

Stamp Duty and Registration Charges: State-by-State Guide for 2026

Stamp duty ranges from 3% in Maharashtra for women to 7% in some states for men. Registration charges add …

Open calculator
Categories HOM

Home Loan Prepayment: How Much Interest You Actually Save

Prepaying ₹1 lakh on a ₹40 lakh home loan in year 3 saves you roughly ₹2.4 lakh in interest over the remaining …

Open calculator
Categories HOW

How Much Home Loan Can I Get on My Salary? (India 2026)

Banks use a 50% FOIR cap to decide your home loan eligibility. Here's exactly how to calculate how much home …

Open calculator

Explore Calculators

+
About Calxo. Who runs this site

Calxo (calxo.in) is a free, ad-light calculator platform built for Indian users. Every tool covers EMI, SIP, GST, income tax, FD, PPF, salary, and conversions, using Indian rules, INR, and current tax slabs (not generic global formulas).

Publisher

Calxo is operated by Vignesh Sampath Kumar, an SEO Lead at PipeRocket Digital in Chennai and the founder of EVBlogs.in. Vignesh personally writes and reviews every calculator page.

Editorial standards

  • Formulas verified against RBI, Income Tax Department, CBDT, and GST Council sources
  • Updated the same week tax slabs or rules change
  • No paid placements; no affiliate links inside calculators
  • All calculations run in your browser; inputs are never stored

Contact

Corrections, suggestions, or partnership: avmedianews321@gmail.com

Based in India. Founded 2026.

Disclaimer: Calxo is a calculation tool, not financial, legal, or tax advice. For decisions that affect your money in any meaningful way, talk to a SEBI-registered financial advisor or a Chartered Accountant. We update formulas the same week laws change, but we're not liable for outcomes from calculator outputs. Read our Terms and Privacy Policy.