Guides
Every figure in these guides comes from our calculators, and every guide links to the calculator so you can try your own numbers. Written and reviewed by the ClearRupee Editorial Team.
- Credit card EMI vs personal loan: which costs less?
Compare a credit card EMI with a personal loan for the same purchase: interest, GST, processing fees and effective APR, with worked examples in rupees.
Last reviewed Calculator: Credit Card & No-Cost EMI Calculator
- How GST on credit card EMI is calculated (with worked example)
GST on a credit card EMI is charged on the interest in each instalment and on the processing fee. Step-by-step calculation with a month-by-month table.
Last reviewed Calculator: Credit Card & No-Cost EMI Calculator
- Is no cost EMI really free? What you actually pay
No cost EMI covers the interest, not the GST on it or the processing fee. What you actually pay, when it's worth it, and the costs that are easy to miss.
Last reviewed Calculator: Credit Card & No-Cost EMI Calculator
- Processing fee and GST: how to find a loan's actual interest rate
How a processing fee and the GST on it push a loan's real cost above the advertised rate, and how to work out its actual interest rate (APR).
Last reviewed Calculator: Actual Interest Rate & APR Checker