Arithmetic on Fields in Custom Inventory Templates (e.g. Quote Template)

Arithmetic on Fields in Custom Inventory Templates (e.g. Quote Template)

What is required is to do conditional calculations & simple arithmetic on product prices inside the quote template itself:

1. Already have all the data I need inside Zoho fields including formula fields as needed.
2. Constructed a Quote Template (from Inventory template)
3. Works fine if I simply take existing values. Except, I may wish to do some basic arithmetic for display purposes only on the quote.
4. For example, split the amounts shown by dividing the line item price or totals. We collect money in installments & its nice to show customers their Equated Monthly Installments. For this, we need to be able to do some basic arithmetic here.

${Quote.Total}/12 = per month installment. Or more complex may be an interest rate addition & then division.

I have tried everything, but seems that there is no calculation happening. Since I also use Zoho Creator, I tried deluge script formats <%=${Quote.Total}/12%> without luck of course!

The above cannot be handled using multiple price books for sure.

Anyone has any suggestions?