Auto Calculators

Full-spectrum EMI computation with on-road vs ex-showroom breakdown, fee-inclusive APR vs nominal rate, moratorium support, floating/fixed toggle, and side-by-side lender comparison.

Models FOIR and LTV constraints separately, factors in co-applicant income, employer category, credit score band, and city tier. Shows approval probability band — not just a number.

Goal-seeks the right down payment for your target EMI. Shows 3 plans: lowest EMI, lowest total interest, and fastest ownership. Warns when down payment is too low and increases negative equity risk.

Compare up to 3 lenders on net effective APR including all fees. Shows break-even tenure, fee-heavy traps, expected rate path scenarios (+1%, +2% after 12 months), and switching/refinancing cost.

Calculates lower monthly EMI with balloon end-payment. Shows the gap risk if resale value < balloon amount. Includes balloon safety margin indicator and recommended max balloon based on segment depreciation curves.

Head-to-head lease vs purchase comparison across 3 outcomes: keep car, upgrade, exit early. Includes tax benefits for business use, depreciation and repair risk allocation, and opportunity cost of tied-up cash.

Total paid, total interest, total fees, and effective APR with full amortization schedule. Shows cost concentration in early months, true cost per month including fees spread, and foreclosure scenarios.

Suggests safe car budget range and segments based on income, expenses, and total cost of ownership. Outputs Safe / Stretch / Risky bands with recommended down payment, tenure, and life stability checks (emergency fund, job volatility).

The real monthly cost of owning a car — not just the EMI. Combines loan payment, fuel, insurance premium, scheduled maintenance, and monthly depreciation into one honest number.

Breaks down cost per km across fuel, tyres, maintenance, insurance, and depreciation. Compare across models, fuel types, and usage patterns to see the true running cost.

Head-to-head comparison of total ownership cost at 3-year vs 5-year exit. Factors in depreciation curves, maintenance escalation, warranty expiry, and resale timing.

Calculates the break-even km where diesel's higher purchase price is recovered through lower fuel cost. Factors in current fuel prices, mileage difference, and maintenance cost gap.

Estimates the impact of sudden fuel-price jumps on annual and monthly ownership budget. Useful for stress-testing cash flow resilience before selecting tenure and vehicle segment.

Total lifecycle comparison: purchase price, charging vs fuel, maintenance savings, battery replacement risk, insurance difference, and resale value projection for EV vs ICE.

Projects maintenance costs by model and usage: scheduled services, tyre replacements, brake pads, battery, and out-of-warranty repair probability. Shows cost escalation curve.

Assesses spare part availability risk based on brand presence, model popularity, local vs imported parts ratio, and discontinuation probability. Flags high-risk models.

Are you ready to upgrade? Shows the gap between current car value, outstanding loan, and the cost delta to your target car. Tells you exactly how much cash you need to bridge.

Compares your car's current market value against outstanding loan balance. Shows when you'll cross from negative to positive equity and the best window for trade-in.

Predicts the optimal sell window balancing depreciation rate, seasonal demand peaks (festivals, year-end), new model launch timing, and ownership sweet spots.

Shows what car you can afford at the same monthly EMI when you factor in trade-in value, changed interest rates, and different tenure options. Upgrade without increasing monthly burden.

Stacks all available loyalty bonuses: OEM exchange offers, dealer incentives, corporate discounts, and festive schemes. Shows total effective discount and net upgrade cost.

Forecasts resale value using annual depreciation rate, ownership years, and running-based penalty. Shows year-wise value table, estimated value band, and monthly depreciation cost.

Composite risk score for any used car based on age, mileage, segment reliability data, accident probability, and service history indicators. Red/amber/green risk bands.

Estimates the probability of a major unexpected repair in the next 24 months based on model year, km driven, usage pattern, and segment failure data. Suggests an emergency fund target.

Models the resale value drop from different accident severity levels. Shows insurance claim impact, repair cost vs value loss gap, and the true cost beyond just the repair bill.

Assesses flood risk based on your city zone, parking type, and commute route. Shows engine hydrostatic lock probability, insurance coverage gaps, and recommended add-ons.

Projects reliability score based on model, brand track record, powertrain type, and ownership age. Outputs a confidence band for trouble-free ownership over the next 24 months.

Calculates per-km charging cost based on your electricity tariff, charging split (home vs public vs fast), battery capacity, and real-world range. Compare across EV models.

Models the payback period for home charger installation. Compares monthly home charging cost vs public/fast charger spending, factoring in installation, wiring, and electricity tariff tiers.

Projects battery capacity fade over years of use. Shows expected range loss at year 3, 5, and 8, estimated replacement cost, warranty coverage window, and resale impact.

Aggregates all available EV benefits by state: FAME subsidy, state EV policy incentives, road tax exemption, registration waiver, and income tax deduction on EV loan interest.

Models the full financial timeline of switching from your current ICE car to an EV. Includes trade-in value, price premium, fuel savings, maintenance savings, and cumulative break-even month.

Optimizes your charging split across home, office, AC public, and DC fast charging. Returns weighted per-km cost, monthly spend, and best low-cost charging mix by usage pattern.

Estimates future battery replacement outlay using expected replacement year, inflation, and warranty coverage. Suggests a monthly reserve amount so future battery costs do not become a financial shock.

Evaluates apartment/society EV charging setup feasibility with load requirement, wiring length, meter strategy, and civil work cost. Compares equal split vs usage-based billing across residents.

Plans intercity charging with station tariff, detour distance, queue delay, charging duration, and service fees. Converts both rupee cost and time cost to compare route charging strategies.

Compare road tax / registration charges across Indian states for your vehicle category. Shows one-time vs lifetime tax, percentage slabs, and total on-road cost difference between states.

Models tax savings for company-provided or company-leased vehicles. Covers depreciation benefit, lease rental deduction, perquisite value calculation, and net CTC impact.

Calculates available GST input tax credit for business vehicle purchases. Shows eligible vs blocked credit, commercial vs passenger vehicle rules, and net effective purchase cost after ITC.

Calculates benefits under India's vehicle scrappage policy. Shows registration tax rebate, manufacturer discount eligibility, green tax savings, and net cost of replacing a 15+ year old vehicle.

Full breakdown of registration-related costs: new registration, hypothecation, transfer charges, interstate re-registration, and number plate fees. Compare costs across RTOs.