Money
Everyday money explained — banking, savings, loans, inflation, safety and investment basics, with calculators to help you decide.
Explore Money
What you'll find here
Money literacy for everyday life — banking, borrowing, inflation, safety and investment basics.
Everyday Banking & Savings
Savings accounts, bank basics and everyday money management.
Coming soonLoans, Borrowing & EMI Management
EMIs, loans and borrowing — how they work and how to manage them.
Coming soonPurchasing Power, Inflation & Money Awareness
Inflation, purchasing power and understanding what money is worth.
Coming soonPersonal Risk Protection & Financial Safety
Staying safe from fraud and protecting your money.
Coming soonInvestment & Wealth Creation Basics
Investment basics — compounding, risk and long-term thinking.
Coming soonMoney Calculators & Decision Tools
Calculators for EMIs, interest, GST and everyday money decisions.
Coming soonAvailable now
Guides & calculators
Existing Samjho guides and calculators in this category.
What is GST?
GST (Goods and Services Tax) is a single tax charged on the sale of most goods and services in India. It replaced a long list of separate central and state taxes with one system.
GuideWhat is EMI?
EMI (Equated Monthly Instalment) is the scheduled amount you pay toward a loan each month, made up of principal and interest. Fixed-rate loans generally keep the EMI fixed, while floating-rate loans may change the EMI or tenure.
GuideWhat is a Credit Score?
A credit score is a number calculated from your credit history, including repayment behaviour, outstanding debt and credit enquiries. In India, CIBIL commonly uses a 300–900 range, but each credit information company (CIC) calculates its own score and lender decisions also consider income, affordability and other information.
GuideWhat is Inflation?
Inflation is the general rise in prices of goods and services over time, which means each rupee buys a little less than it used to.
GuideWhat is Compound Interest?
Compound interest is interest calculated not just on your original amount, but also on the interest that has already been added to it — so your money grows faster over time compared to simple interest.
GuideWhat is a Credit Card?
A credit card lets you borrow money from a bank up to a set limit to make purchases now, which you then repay by a due date — either in full, avoiding interest, or partially, which triggers interest charges.
GuideWhat is a Savings Account?
A savings account is a basic bank account designed for individuals to safely deposit money, earn a modest interest on the balance, and access funds relatively easily through withdrawals, transfers and cards.
CalculatorEMI Calculator
Calculate your monthly loan instalment.
CalculatorGST Calculator
Add or remove GST from any amount.
CalculatorSimple Interest Calculator
Calculate interest on a principal amount.