ThrottleJournalGuides
Plain-English guides with worked rupee examples, each linked to the calculator you need.
Car Loans in India: The Complete Guide to EMIs, Rates and Tenure
Car loan rates in India start near 7.5%. See how EMI is calculated, a worked ₹8 lakh example, and how tenure and down payment change what you pay.
Fuel Costs & MileageHow to Calculate and Cut Your Monthly Fuel Cost
Work out your monthly fuel cost in 3 steps, see what the same car costs to run in 10 cities, and the habits that save ₹7,000 a year or more.
EV vs Petrol vs Diesel vs CNGEV, Petrol, Diesel or CNG: Which Is Cheapest to Run?
An EV costs about ₹1/km to run vs ₹9.46 for petrol. See per-km costs, break-even distances and 5-year totals for all four fuels, with the maths.
Buying SmartHow to Buy the Right Car for Your Budget
Keep total car costs near 20% of take-home pay. See on-road price, EMI and running costs for 3 cars on a ₹1 lakh salary, with the math shown.
Ownership & Running CostsThe True Cost of Owning a Car in India: Beyond the EMI
A ₹10 lakh car costs about ₹22,600 a month to own over 5 years. See the full rupee breakdown: depreciation, fuel, interest, insurance and servicing.
Car Loans & FinanceHow Car Loan EMI Is Calculated, With a Worked Example
How car loan EMI is calculated, step by step: a ₹6 lakh loan at 9% for 4 years gives ₹14,931 a month. See the formula, Excel method and EMI per lakh table.
Car Loans & FinanceFlat Rate vs Reducing Balance Car Loans: What You Really Pay
A 5% flat car loan rate really costs 9.31% on a reducing balance. Use our conversion table, the 1.8x shortcut and Excel's RATE to check any quote.
Car Loans & FinanceBank vs Dealer Financing: Which Is Cheaper?
Bank vs dealer car financing compared: a 6.99% showroom scheme that drops a ₹40,000 discount really costs 9.50%. See 5 offers worked out in rupees.
Car Loans & FinanceHow Your Credit Score Changes Your Car Loan Rate
Your credit score can move your car loan rate from 7.85% to 11.55%. On ₹8 lakh over 5 years, that's ₹87,026 more interest. See how to get a lower rate.
Fuel Costs & MileageHow to Measure Real Mileage: The Tank-to-Tank Method
Measure your car's real mileage with the tank-to-tank method: a 3-tank worked log (13.65 km/l), the errors to avoid and your true cost per km. Try it.
Fuel Costs & MileageClaimed vs Real-World Mileage: Why They Never Match
Claimed vs real-world mileage, explained: why a 24.80 km/l car does about 18.3 km/l, what the gap costs (₹1,755 a month) and what's normal. Check yours.
Fuel Costs & MileageDaily Commute Cost: What 20, 40 and 60 km a Day Really Costs
Daily commute cost in India for 20, 40 and 60 km a day: petrol, diesel, CNG and EV per month at Delhi prices, with worked maths and ways to cut it.
Fuel Costs & MileageManual vs Automatic Mileage: Which Really Saves More Fuel?
Manual vs automatic mileage compared: AMT, CVT, DCT and torque converter figures for Swift, Creta and Venue, what the gap costs and when an AT pays off.