Quotelyo is a free, browser-based suite of eight financial calculators — SIP, compound interest, loan EMI, savings goal, budget planner, debt payoff, inflation, and FD/RD — that recalculates results instantly as you change values and runs entirely on your device.
What is Quotelyo?
Quotelyo is a web app at quotelyo.online that bundles eight free financial calculators onto a single page. You enter inputs such as a monthly investment amount, an expected annual return, a loan figure, or a savings target, and it returns outputs like projected value, total invested, estimated gains, growth multiple, repayment duration, and total interest. Every calculator opens inline below the tool picker, and no account, sign-up, or app install is required.
What makes Quotelyo stand out?
- Eight calculators on one page — SIP, compound interest, loan EMI, savings goal, budget planner, debt payoff, inflation, and FD/RD all live in the same page, selected from a single tool list.
- Instant recalculation — change any input and the projected value, total invested, estimated gains, duration, and growth multiple update without a submit button.
- Visible formulas — the SIP calculator states its math: monthly rate equals (1 + annual rate) to the power of 1/12 minus 1, and future value is monthly investment times ((1 + monthly rate) to the power of months minus 1) divided by monthly rate, with contributions at the end of each month and investment times months at a 0% rate.
- Nine currency formats — India INR, United States USD, United Kingdom GBP, Canada CAD, Australia AUD, Singapore SGD, UAE AED, Germany and France EUR, and Japan JPY; the format only changes display, amounts are not converted between currencies.
- Client-side only — calculations run in your browser, with no servers and no tracking of the figures you type.
- Year-by-year SIP breakdown — the default example of ₹5,000 a month over 10 years at 12% returns ₹11,09,650, against ₹6,00,000 invested and ₹5,09,650 in estimated gains (a 1.85× multiple), with a value listed for each of the ten years.
- Editable defaults — each calculator loads with example values and a reset control to restore them; the page notes defaults are examples, not live rates.
Who should use Quotelyo?
- Salaried savers and SIP investors: project what a fixed monthly contribution grows to over a chosen number of years at an assumed return rate.
- Loan applicants and borrowers: work out monthly EMI, total repayment, and total interest before committing to a loan.
- Household budgeters: enter income, expenses, and savings in the budget planner to see what remains each month, or use the debt payoff tool to estimate how long repayment takes.
- Fixed deposit and recurring deposit holders: estimate FD or RD maturity amounts, or use the inflation calculator to estimate future costs at an assumed inflation rate.
What can you do with Quotelyo?
- Plan a savings target: enter a goal amount and time frame in the savings goal calculator and read back the monthly amount needed to reach it.
- Test return assumptions: switch between SIP and compound interest calculators, changing the annual rate, to compare outcomes for the same monthly contribution.
- Compare borrowing costs: run a loan EMI calculation for a given amount, rate, and tenure to see monthly payment and total interest side by side.
- Check purchasing power: run the inflation calculator to see what today's cost becomes after years at an assumed annual inflation rate.
How does Quotelyo work?
- Pick a calculator from the tool list; it opens directly below the picker.
- Choose a currency format from the dropdown and replace the example inputs with your own rate, amount, and duration assumptions.
- Read the results panel and, where provided, the "How this is calculated" formula behind the number.
Pricing
Quotelyo is free to use. The page lists no paid tier, no account requirement, and no payment step in the calculator flow.
FAQ
Is Quotelyo free?
Yes. All eight calculators — SIP, compound interest, loan EMI, savings goal, budget planner, debt payoff, inflation, and FD/RD — are free, and none require sign-up or payment.
Does Quotelyo use live interest or inflation rates?
No. The rates in each calculator are assumptions you enter yourself. The pre-filled defaults are examples, not market data, and the page states that actual returns are not guaranteed.
Are the numbers I type stored or sent anywhere?
No. Calculations happen in your browser, and the page states there are no servers and no tracking of what you enter.
Does Quotelyo convert between currencies?
No. The nine currency formats — INR, USD, GBP, CAD, AUD, SGD, AED, EUR, and JPY — change how amounts are displayed only; no currency conversion is applied.
Can Quotelyo guarantee my returns?
No. Results are illustrative estimates based on your inputs, and the site notes that interest, return, and inflation rates come from the assumptions you enter rather than live market rates.
