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Your Friend, Philosopher and Guide to Achieve Your Dream Government Job

We generally deal with income, expenses, deposits, loans, and other calculations in our careers and daily life. These are inseparable from our life. A few useful calculators are provided to you to take intelligent decisions.

**Simple Interest Calculator**

Simple interest is based on the principle of **Interest on Principal or Loan.**
It is the result of multiplication of the Principal, Time Period and Rate of Interest.

**Compound Interest Calculator**

Compound interest is based on the principle of **Interest on Interest.** The interest is added to the principal regularly.
The interest in the next period is then calculated on the new balance amount (i.e. principal plus previously accrued interest).
It is the result of reinvesting interest.

Fixed Deposit Calculator, Term Deposit Calculator, Bonds Interest Calculator, and Time Deposit Calculator are a few financial instruments that use the compound interest principle.

**Zero Interest Savings Calculator**
shows the amount to save regularly to meet the specific goal amount without any interest accrued.

**Interest Rate Converter**

Annual Percentage Rate (APR) is the rate a bank offers on deposits and loans. However based on the compounding interest frequency
(i.e. annually, half-yearly, quarterly, monthly, daily and continuously), the effective rate varies. This effective rate is known as
Annual Percentage Yield (APY). Both APR and APY are calculated with varying compounding frequencies based on nominal interest rate.
Annual Percentage Yield (APY) or
APR to APY Calculator converts annual percentage rate to effective annual percentage yield (APY).
Annual Percentage Rate (APR) or
APY to APR Calculator
converts annual percentage yield (APY) to effective annual percentage rate (APR).

**Recurring Deposit Calculator**

Recurring Deposit is also a kind of fixed deposit. Unlike in fixed deposit, a person with regular income deposits a fixed amount
every month into their Recurring Deposit account. The interest rate is applicable on the amount invested each month for the time invested.

Recurring Withdraw Calculator is opposite to Recurring Deposit. Once a specific initial amount is deposited, a monthly amount is withdrawn. This is suitable for senior citizens and retirees to get pension fund monthly.

Flexible Deposit Calculator calculates a suitable monthly installment if you wish to accumulate a certain maturity amount for a time period with compounding interest rate applicable.

**EMI Calculator**

In General, the loan is repaid with an equal amount every month.
This monthly payment of the amount is known as Equated Monthly Installments (EMI).
It is the most common instrument to repay the loan, be it a
Personal Loan,
Vehicle Loan, or a
Home Loan.

The payback of loans in this fashion of regular monthly payments is known as Amortization. The amortization schedule details the total amount paid and the outstanding loan amount after each installment.

**Retirement Planning Calculator**

Retirement planning is the preparation of finances for the period after you stop working. It helps you to enjoy a quality lifestyle in retirement.
Retirement Fund should include anticipated expenses due to health conditions and other geriatric-related expenses.

**Employee Provident Fund (EPF) Calculator**

EPF is the main scheme under the Employees Provident Funds and Miscellaneous Provisions Act, 1952.
The scheme is managed under the aegis of Employees Provident Fund Organisation (EPFO).
Under EPF scheme, an employee has to pay a certain contribution towards the scheme and
an equal contribution is paid by the employer. The employee gets a lump sum amount including self and
employer's contribution with interest on both, on retirement.

**Public Provident Fund (PPF) Calculator**

Public Provident Fund (PPF) scheme is a long term investment option that offers an attractive rate of interest and returns on the amount invested.
You cannot fully withdraw your PPF account balance only after the account completes its tenure of 15 years.

**Voluntary Provident Fund (VPF) Calculator**

Voluntary Provident Fund (VPF) or Voluntary Retirement Fund is the voluntary fund contribution from the employee towards his provident fund account.
This contribution is beyond the 12% of contribution by an employee towards her EPF.

**BMI Calculator**

Body Mass Index (BMI) is the most famous measure to verify the obesity of a person.
This is also an important index for fitness freaks, for security and police jobs. BMI is calculated as the weight in kilogram divided by square of height in metre.

Ideal Weight Calculator and Ideal Height Calculator calculate ideal weight and ideal height respectively based on different indices such as BMI, Brocas Index, Devine Formula, Robinson Formula, Miller Formula and Hamwi Formula. Waist to Hip Ratio is also another index to know health status and health risk.

**Temperature Converter**

Temperature is measured in five famous measures viz. Celsius, Fahrenheit, kelvin, Reaumur and rankine across the world. This Temperature Converter takes the value of one measure and converts into other measures.

**Land Area Measurements Converter**

The Area is measured in different units in different areas for different purposes. This calculator converts from one unit into another for your ease.

**Zodiac Sign Finder**

There are 12 zodiac signs.
They are: Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius and Pisces.
Find your zodiac sign with this calculator.

Age Calculator calculates your age in years, months, days, hours, minutes and seconds. Birth Day Calculator tells you on which day of the week you are born.

Duration Calculator calculates the duration of two dates. Date Difference calculates the difference of two dates. Time Difference calculates the difference of two time periods.