<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>SAHITOOL Journal</title><link>https://sahitool.in/blog/</link><description>Clear explanations for everyday calculations</description><item><title>How an EMI and an extra payment change your loan balance</title><link>https://sahitool.in/blog/emi-prepayment-how-interest-changes/</link><guid>https://sahitool.in/blog/emi-prepayment-how-interest-changes/</guid><description>A worked example of monthly reducing-balance interest, repayment schedules and why a prepayment changes future interest.</description><pubDate>Tue, 10 Nov 2026 14:38:38 +0000</pubDate></item><item><title>GST inclusive and exclusive amounts: a transparent worked example</title><link>https://sahitool.in/blog/gst-inclusive-exclusive-worked-example/</link><guid>https://sahitool.in/blog/gst-inclusive-exclusive-worked-example/</guid><description>Understand how to add tax or extract a base amount from a tax-inclusive total, using an illustrative 18% rate.</description><pubDate>Tue, 10 Nov 2026 14:38:38 +0000</pubDate></item><item><title>SIP, FD and RD projections: check the assumptions before comparing</title><link>https://sahitool.in/blog/sip-fd-rd-projection-assumptions/</link><guid>https://sahitool.in/blog/sip-fd-rd-projection-assumptions/</guid><description>Learn why contribution timing, compounding and tax assumptions matter when comparing investment and deposit estimates.</description><pubDate>Tue, 10 Nov 2026 14:38:38 +0000</pubDate></item></channel></rss>