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Sudipa Subedi

Tools — Finance desk

Three working schedules, calculated live.

Schedule A

VAT

Nepal's standard rate is 13%.

Amount is

Total with VAT

Rs 1,13,000.00

Amount before VAT
Rs 1,00,000.00
VAT
Rs 13,000.00

Schedule B

Loan EMI

Equal monthly instalment, reducing balance.

Monthly EMI

Rs 34,437.50

Total interest
Rs 16,32,500.34
Total payment
Rs 41,32,500.34
Instalments
120

Schedule C

Fixed deposit

Maturity value, compounded quarterly.

Maturity value

Rs 6,15,719.66

Interest earned
Rs 1,15,719.66
Effective annual yield
7.19%

For illustration only. Actual figures depend on your bank's terms and current tax rules; taxes on interest are not deducted.

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