How is Loan EMI calculated mathematically?

Loan EMI is calculated using the formula: EMI = P × r × (1 + r)^n / ((1 + r)^n - 1), where P is principal loan amount, r is monthly interest rate, and n is tenure in months.

How does a SIP calculator estimate mutual fund maturity value?

A SIP calculator uses the future value of an annuity-due formula: M = P × ({[1 + i]^n – 1} / i) × (1 + i), where P is monthly investment, i is monthly return rate, and n is months.

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