Free, printable formula reference guides for finance, academic grading, and health metrics. Bookmark this page or print as a PDF for quick reference.
The exact mathematical formulas used by banks and financial institutions. All verified against standard actuarial and banking practices.
EMI = P × r × (1+r)^n / ((1+r)^n − 1)Where: P = Principal loan amount · r = Monthly interest rate (Annual Rate ÷ 12 ÷ 100) · n = Loan tenure in months. Example: ₹5,00,000 at 12% p.a. for 60 months → r = 0.01 → EMI = ₹11,122
A = P × (1 + r/n)^(n×t)Where: P = Principal · r = Annual rate (decimal) · n = Compounding frequency/year · t = Time in years. CI = A − P. Daily: n=365 · Monthly: n=12 · Quarterly: n=4 · Annual: n=1
FV = P × [((1 + r)^n − 1) / r] × (1 + r)Where: P = Monthly SIP amount · r = Monthly return rate (Annual ÷ 12) · n = Total months. ₹5,000/month at 12% for 10 years → ₹11.6 lakh invested → ~₹23.2 lakh corpus
ROI = ((Final Value − Initial Value) / Initial Value) × 100Annualised ROI = ((Final/Initial)^(1/years) − 1) × 100 — use this for multi-year comparisons.
SI = (P × R × T) / 100Where: P = Principal · R = Rate per annum (%) · T = Time in years. Total Amount = P + SI.
Complete reference for GPA calculation, grading scales, aggregate formulas, and percentage conversions. Covers US 4.0 scale, Pakistani university systems, and MDCAT/ECAT aggregates.
CGPA = Σ(Grade Points × Credit Hours) / Σ(Credit Hours)Example: Subject A — 4.0 GP × 3 credits, Subject B — 3.0 GP × 2 credits → CGPA = (12 + 6) / (3 + 2) = 3.6
| Grade | Percentage | GPA Points | Category |
|---|---|---|---|
| A+ | 97–100% | 4.0 | Outstanding |
| A | 93–96% | 4.0 | Excellent |
| A− | 90–92% | 3.7 | Excellent |
| B+ | 87–89% | 3.3 | Very Good |
| B | 83–86% | 3.0 | Good |
| B− | 80–82% | 2.7 | Good |
| C+ | 77–79% | 2.3 | Satisfactory |
| C | 73–76% | 2.0 | Satisfactory |
| D | 60–72% | 1.0 | Passing |
| F | Below 60% | 0.0 | Fail |
HEC Pakistan: Percentage = CGPA × 10VTU/Anna University: Percentage = (CGPA − 0.75) × 10Mumbai University: Percentage = (CGPA − 0.5) × 10Aggregate = (FSc % × 0.40) + (MDCAT % × 0.50) + (Matric % × 0.10)Aggregate = (FSc % × 0.70) + (ECAT % × 0.20) + (Matric % × 0.10)Clinically validated formulas for BMI, BMR, body fat, daily calorie targets, macros, and heart rate zones. Used by doctors, personal trainers, and dietitians worldwide.
BMI = Weight (kg) / Height² (m²)| BMI Range | Classification | Health Risk |
|---|---|---|
| Below 18.5 | Underweight | Moderate |
| 18.5 – 24.9 | Normal weight | Low (healthy range) |
| 25.0 – 29.9 | Overweight | Increased |
| 30.0 – 34.9 | Obese Class I | High |
| 35.0 – 39.9 | Obese Class II | Very High |
| 40.0+ | Obese Class III | Extremely High |
Men: BMR = (10 × kg) + (6.25 × cm) − (5 × age) + 5Women: BMR = (10 × kg) + (6.25 × cm) − (5 × age) − 161BMR = Basal Metabolic Rate (calories burned at complete rest). Multiply by activity factor (TDEE): Sedentary ×1.2 · Light ×1.375 · Moderate ×1.55 · Active ×1.725 · Very Active ×1.9
Men: BF% = 86.01 × log10(abdomen − neck) − 70.041 × log10(height) + 36.76Women: BF% = 163.205 × log10(waist+hip−neck) − 97.684 × log10(height) − 78.387All measurements in centimetres. Validated by the US Department of Defense.
Protein: 1.6–2.2g per kg body weight (for muscle building)Fat: 20–35% of total daily calories (1g fat = 9 kcal)Carbs: Remaining calories (1g carb = 4 kcal · 1g protein = 4 kcal)THR = ((HRmax − HRrest) × Intensity%) + HRrestMax HR ≈ 220 − age. Zone guide: Fat Burn 50–65% · Cardio 65–80% · Peak 80–90%. Example: Age 30, resting HR 60, moderate (65%) → THR = ((190−60) × 0.65) + 60 = 144.5 bpm
Yes. All formulas are sourced from academic publications, official regulatory bodies, and internationally recognised standards (WHO, HEC, FBR, US DoD). We cross-check every formula against multiple authoritative sources.
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Yes. Tax slabs (FBR), grading systems, and medical guidelines are updated when official changes are published. Check the last-modified date in the sitemap or footer for the most recent update.
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