Vaddi calculator: rupee interest per ₹100
In many Telugu homes and villages, interest is spoken as “rupees per hundred”. ₹2 vaddi means you pay ₹2 every month for each ₹100 borrowed. Vaddi turns that into exact amounts in seconds, and keeps a record of every loan you give or take.
Open calculatorGet the Android appHow rupee vaddi is calculated
- Monthly interest = Principal ÷ 100 × rupee rate.
- Total interest = Monthly interest × number of months (part months are counted by days, a month taken as 30 days).
- Yearly percentage = rupee rate × 12. So ₹1 vaddi is 12% a year, ₹2 is 24% and ₹3 is 36%.
Worked example
- You lend ₹50,000 at ₹2 vaddi for 6 months.
- Monthly interest: 50,000 ÷ 100 × 2 = ₹1,000.
- Interest for 6 months: ₹1,000 × 6 = ₹6,000.
- Amount to collect at the end: ₹50,000 + ₹6,000 = ₹56,000.
- If it is settled after 6 months and 15 days instead, add half a month: ₹500 more, so ₹56,500.
What else Vaddi does
Vaddi Book
Save every amount you lend or borrow with the date and rate, and see what is due today. Lend and borrow are kept apart.
Reminders
Get a reminder before a settlement date so a collection or payment is not missed.
Settlement
Close a record in one tap; Vaddi shows principal, interest and the final amount.
Part payment
Record money received in between; interest is worked out on the balance that remains.
EMI calculator
Find the monthly EMI, total interest and total payment for a bank-style loan.
Sync with Android
Sign in and your records stay the same on the website and the Vaddi Android app.
Frequently asked questions
What does “₹2 vaddi” mean?
It means ₹2 interest every month for every ₹100. On ₹10,000 that is ₹200 a month.
How do I convert rupee vaddi to a yearly percentage?
Multiply the rupee rate by 12. ₹1.5 vaddi is 18% a year; ₹2 vaddi is 24% a year.
Is this simple interest or compound interest?
The rupee vaddi method above is simple interest: interest is charged only on the principal, not on earlier interest.
How are extra days counted?
Each extra day is counted as one-thirtieth of a month. 15 extra days add half of one month’s interest.
Is Vaddi free?
Yes. The calculator is free to use in the browser, and the Android app is free on Google Play.
Is my loan data private?
Records are stored under your own sign-in and are not shown to anyone else. The calculator works without signing in.