Vaddi Calculator Online
Free vaddi calculator for 1, 2, 3 and 5 rupees vaddi. Enter the amount, rate and time to get simple vaddi or chakra vaddi (compound) instantly, with a month-wise breakup.
- Instant results
- No data stored
- Perfect on mobile
Popular vaddi rates
Results are estimates. One month is counted as 30 days. Your lender may count days or deduct interest in advance, so confirm the method before you agree.
Monthly Vaddi Breakdown
See how the interest and total payable grow month by month for the values you entered above.
| Month | Balance at start | Interest this month | Interest so far | Total payable |
|---|
Principal vs Total Payable Over Time
Move over the chart to see the amount at any point.
How to Use the Vaddi Calculator
This vaddi calculator works like an interest calculator in rupees. Enter the amount, choose how the rate is quoted and give the time. The answer appears right beside the form and updates as you type.
Enter the amount
Type the principal or tap 10,000, 50,000, 1 lakh or 5 lakh.
Set the vaddi rate
Use rupees per 100 per month, percent per month or percent per year.
Add the time
Fill years, months and days, or pick the two dates.
Read the result
See interest, total payable and the month-wise breakup.
Example
₹1,00,000 at 2 rupees vaddi for 1 year gives ₹24,000 interest and ₹1,24,000 to repay.
Simple vaddi calculator
Interest is charged on the original amount only. It is the same every month.
Chakra vaddi calculator
Interest is added to the principal, and the next interest is charged on the bigger amount.
1 Rupee, 1.5 Rupee, 2, 3 and 5 Rupees Vaddi Calculator Rates
Vaddi (వడ్డీ) is the Telugu word for interest. In villages and local lending, the rate is often said as rupee vaddi. It means how many rupees of interest you pay each month on every ₹100 borrowed.
What is 2 rupees vaddi?
2 rupees vaddi means ₹2 interest per month on every ₹100. That is 2% per month, or 24% per year as simple interest. On ₹1,00,000 it is ₹2,000 every month. Our 2 rupees vaddi calculator does this for any amount and any time.
What is 1 rupee vaddi?
1 rupee vaddi is 1% per month, or 12% per year as simple interest. The 1 rupee vaddi calculator above gives ₹1,000 a month on ₹1,00,000.
| Rupee vaddi | Monthly rate | Yearly (simple) | Yearly (compounded monthly) | Per month on 1 lakh | Per year on 1 lakh (simple) |
|---|---|---|---|---|---|
| 1 rupee vaddi | 1% per month | 12% | 12.68% | ₹1,000 | ₹12,000 |
| 1.5 rupees vaddi | 1.5% per month | 18% | 19.56% | ₹1,500 | ₹18,000 |
| 2 rupees vaddi | 2% per month | 24% | 26.82% | ₹2,000 | ₹24,000 |
| 3 rupees vaddi | 3% per month | 36% | 42.58% | ₹3,000 | ₹36,000 |
| 5 rupees vaddi | 5% per month | 60% | 79.59% | ₹5,000 | ₹60,000 |
| 10 rupees vaddi | 10% per month | 120% | 213.84% | ₹10,000 | ₹1,20,000 |
The 3 rupees vaddi calculator and 5 rupees vaddi calculator rates are in the table too. High rupee vaddi rates grow very fast, so check the yearly rate before you agree.
Vaddi Calculator Formula
Use these formulas to check any answer by hand. R is the rate in rupees per ₹100 per month. T is the time in months. Days count as days divided by 30.
Simple vaddi
Chakra vaddi (compound)
The chakra formula above is for monthly compounding. If the interest is added every 3, 6 or 12 months, the calculator compounds on that schedule and charges simple vaddi on any part period left over.
Simple example
₹50,000 at 3 rupees vaddi for 6 months: 50,000 x 3 x 6 / 100 = ₹9,000. Total ₹59,000.
Chakra example
₹1,00,000 at 2 rupees vaddi for 1 year, compounded monthly, becomes ₹1,26,824.18. Interest is ₹26,824.18.
10000 vaddi calculator
₹10,000 at 1.5 rupees vaddi is ₹150 a month and ₹1,800 a year.
Vaddi Chart: Interest on ₹10,000 to 5 Lakh
Quick answers for the most searched amounts, including the 10000 vaddi calculator and 1 lakh vaddi calculator values. All figures are simple vaddi.
10000 Vaddi and 1 Lakh Vaddi: Interest Per Month
| Principal | 1 rupee | 1.5 rupee | 2 rupees | 3 rupees | 5 rupees |
|---|---|---|---|---|---|
| ₹10,000 | ₹100 | ₹150 | ₹200 | ₹300 | ₹500 |
| ₹25,000 | ₹250 | ₹375 | ₹500 | ₹750 | ₹1,250 |
| ₹50,000 | ₹500 | ₹750 | ₹1,000 | ₹1,500 | ₹2,500 |
| 1 lakh | ₹1,000 | ₹1,500 | ₹2,000 | ₹3,000 | ₹5,000 |
| 2 lakh | ₹2,000 | ₹3,000 | ₹4,000 | ₹6,000 | ₹10,000 |
| 5 lakh | ₹5,000 | ₹7,500 | ₹10,000 | ₹15,000 | ₹25,000 |
Interest for 1 Year (12 Months)
| Principal | 1 rupee | 1.5 rupee | 2 rupees | 3 rupees | 5 rupees |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,200 | ₹1,800 | ₹2,400 | ₹3,600 | ₹6,000 |
| ₹25,000 | ₹3,000 | ₹4,500 | ₹6,000 | ₹9,000 | ₹15,000 |
| ₹50,000 | ₹6,000 | ₹9,000 | ₹12,000 | ₹18,000 | ₹30,000 |
| 1 lakh | ₹12,000 | ₹18,000 | ₹24,000 | ₹36,000 | ₹60,000 |
| 2 lakh | ₹24,000 | ₹36,000 | ₹48,000 | ₹72,000 | ₹1,20,000 |
| 5 lakh | ₹60,000 | ₹90,000 | ₹1,20,000 | ₹1,80,000 | ₹3,00,000 |
Rate Converter, Loan Duration and EMI Comparison
Three small tools that go with the vaddi calculator.
Vaddi rate converter
Change rupee vaddi to a yearly rate and back.
Loan duration finder
Find how long it takes to earn a target interest.
Bank EMI vs vaddi
Compare flat vaddi with a bank loan.
Vaddi Calculator in Telugu (వడ్డీ లెక్కలు)
Many people search for a Telugu vaddi calculator or vaddi lekkalu, which means interest calculations. This page works the same way for everyone. The labels are in English, and the common Telugu words are explained below, so you can use it as a vaddi calculator in Telugu terms too.
| English | Telugu | Meaning |
|---|---|---|
| Interest (vaddi) | వడ్డీ | The extra money paid for using a loan |
| Principal | అసలు | The original amount borrowed or lent |
| Compound interest (chakra vaddi) | చక్రవడ్డీ | Interest charged on principal plus earlier interest |
| Calculations (lekkalu) | లెక్కలు | Working out the amount |
For a 2 rupees vaddi calculator Telugu search, the answer is the same: 2 rupees vaddi is ₹2 per ₹100 each month, or 24% a year as simple interest.
Village Vaddi Calculator: Things to Check Before You Lend or Borrow
A village vaddi calculator helps both sides see the real cost. Before you agree on any rate, keep these points in mind.
Agree how time is counted
Decide if a month is 30 days and how part months are counted. This calculator counts days as days divided by 30.
Know the yearly rate
2 rupees vaddi sounds small, but it is 24% a year. 5 rupees vaddi is 60% a year.
Say if it is simple or chakra
Chakra vaddi costs more over long periods. Write down which one you agreed on.
Keep a written record
Note the amount, rate, date and repayment terms. Check your state’s money lending rules for any limits on rates.
Vaddi Calculator FAQs
What is a vaddi calculator?
A vaddi calculator works out interest (vaddi) on money you lend or borrow. You enter the amount, the vaddi rate and the time, and it shows the interest, the total amount payable and a month-wise breakup. This one supports simple vaddi and chakra vaddi (compound).
What is 2 rupees vaddi?
2 rupees vaddi means ₹2 interest per month on every ₹100. That is 2% per month, or 24% per year as simple interest. On ₹1,00,000 it is ₹2,000 every month and ₹24,000 in a year.
What percentage is 1 rupee vaddi?
1 rupee vaddi is 1% per month. As simple interest that is 12% per year. If the interest is added to the principal every month, the effective yearly rate is about 12.68%.
What are 1.5, 3 and 5 rupees vaddi per year?
As simple interest, 1.5 rupees vaddi is 18% per year, 3 rupees vaddi is 36% per year and 5 rupees vaddi is 60% per year. With monthly compounding they become about 19.56%, 42.58% and 79.59% per year.
What is the vaddi calculator formula?
For simple vaddi, Interest = P x R x T / 100, where P is the principal, R is the rupees of vaddi per ₹100 per month and T is the time in months. For example, ₹50,000 at 3 rupees vaddi for 6 months is 50,000 x 3 x 6 / 100 = ₹9,000.
What is chakra vaddi and how is it different from simple vaddi?
Chakra vaddi is compound interest. The interest is added to the principal at regular intervals, and the next interest is charged on the larger amount. Simple vaddi is charged only on the original principal, so it stays the same every month. Over long periods chakra vaddi costs much more.
How are extra days counted in this calculator?
One month is counted as 30 days. Extra days are treated as days divided by 30 of a month. When you use two dates, the calculator counts full calendar months first and then the remaining days.
How much interest is on ₹10,000 at 1 rupee vaddi?
₹10,000 at 1 rupee vaddi gives ₹100 interest per month and ₹1,200 in a year as simple interest.
How much is the interest on 1 lakh at 2 rupees vaddi for 6 months?
Simple vaddi on ₹1,00,000 at 2 rupees for 6 months is 1,00,000 x 2 x 6 / 100 = ₹12,000. The total to repay is ₹1,12,000.
Can I calculate vaddi between two dates?
Yes. Choose From and to date in the time period box, pick the date the money was taken and the date it was returned, and the calculator finds the period and the interest.
Is there a vaddi calculator app or download?
You do not need to install or download anything. This vaddi calculator works online in your phone or computer browser, and you can bookmark the page for quick use.
What does vaddi lekkalu mean?
Vaddi lekkalu is Telugu for interest calculations. Vaddi means interest and lekkalu means calculations. This page gives you vaddi lekkalu for simple and chakra vaddi in English.
How do I use this as a Telugu vaddi calculator?
The labels are in English, but the terms are the same. Vaddi is interest, asalu is principal and chakra vaddi is compound interest. Enter the amount, rupee vaddi and time to get the answer.
Will my lender get the same result?
Not always. Some lenders count days differently, deduct interest in advance or use a different compounding period. Use this result as a clear estimate and confirm the method with your lender in writing.
Is charging a high rupee vaddi legal?
Rules differ by state. Many states have money lending laws that can require a licence or limit the interest a lender may charge, and unfair interest can be challenged. This page does not give legal advice, so check your state’s rules or ask a lawyer before you lend or borrow at a high rate.
Are the numbers I enter saved?
No. Everything is calculated in your browser. Nothing you enter is stored or sent to a server.
This vaddi calculator is for information only and is not financial or legal advice. Actual amounts depend on your lender’s method. Check your state’s money lending rules before you lend or borrow.
