SAHITOOL · Updated 10 November 2026

Calculation Disclaimer

Models use the inputs you provide and stated assumptions. Results are estimates; no lender quote, tax filing, investment return or search ranking is guaranteed.

EMI model

EMI uses a fixed annual rate divided by 12 and monthly reducing balances. Extra principal is applied after each month’s interest. Prepayment reduces tenure; charges, rate resets, daily interest rules and insurance are excluded. Final payment is capped at the remaining balance plus interest.

GST and invoices

GST rates and transaction classifications are chosen by you. Preset rates are examples, not a current legal-rate schedule. Inclusive tax is extracted from the gross amount; exclusive tax is added to the base. Values are rounded to two decimals and local split-tax rounding assigns any odd paise to SGST. Invoice drafts do not validate GST registration, place of supply, HSN/SAC, exemptions, cess, reverse-charge liability or e-invoice requirements.

Investment and deposit estimates

SIP uses beginning-of-month contributions and expected annual return divided by 12. Annual step-ups apply after each 12 contributions. FD/RD use nominal annual interest at the chosen compounding frequency, converted to an equivalent monthly rate. RD deposits are made at the start of each month. Estimated interest tax is deducted at maturity, not annually. These are projections, not promised returns or deposit offers.

Currency costs

Exchange rates, spreads and fees are entered by you and are not verified live data. The model subtracts the source fee, applies the spread-reduced rate and subtracts the recipient fee. Other intermediary charges may apply.

SEO inspection

The checker inspects supplied HTML tags and JSON-LD syntax. Its score summarizes local checks only. It does not crawl remote websites, verify schema eligibility, measure real loading speed, verify indexing or guarantee search rankings.