How We Calculate

The method

Every calculator documents its input units, formula and limitations. The worked example uses the same engine as the interactive result. Checks include known reference values, zero-interest cases, invalid inputs and selected calendar boundaries.

Loans and savings

EMI uses fixed monthly payments on a reducing balance. SIP and SWP divide a nominal annual return by 12. Lumpsum estimates use effective annual growth. FD and RD state their compounding convention and do not reproduce a specific bank product.

Reference formulas: Microsoft PMT, Microsoft FV.

Education and tax assumptions

CGPA conversion has no universal multiplier. Attendance targets, grading scales and GST rates are supplied by you. CalcDost does not decide which institution rule or tax classification applies.

Units and calendar dates

Unit converters use explicitly named metric, international, US or imperial definitions. Variable regional land units are excluded. Date arithmetic uses UTC midnight. Fixed durations are separate from calendar months and years.

Rounding

Money is normally displayed to two decimal places while calculations retain more precision. Break-even units and attendance recovery round upward. A lender may round every instalment differently.

Report a correction

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