🏦 Loan Calculators

13 calculators in this category.

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Before you sign a loan, check the numbers: the EMI for a given amount, rate and tenure, the loan you can afford for an EMI you are comfortable with, how long repayment will take, or the actual interest rate in a lender's offer.

Already repaying? See how much sooner you finish by paying one extra EMI a year, raising the EMI every year or making a lump-sum prepayment, check your outstanding balance, and find out what a rate change or a balance transfer means for you.

EMI Calculator

Calculate the monthly EMI for a home, car, education or personal loan, with total interest, total payment, a year-by-year principal and interest table and EMIs for shorter or longer tenures.

Loan Amount

Find out how much you can borrow for a given EMI budget, rate and tenure.

Loan Term

Calculate how long it will take to repay a loan at a chosen EMI and interest rate.

Interest Rate

Back out the effective annual interest rate implied by your EMI, loan amount and tenure.

Extra EMI Yearly

See how much sooner your home loan closes and how much interest you save by paying one extra EMI every year.

Step-Up EMI

Increase your EMI by a percentage or amount every year and see how many years and how much interest you save.

Extra Monthly Payment

Pay a fixed extra amount with every EMI and see how much sooner the loan closes and the interest you save.

Part Prepayment

Make a one-time part prepayment and compare reducing the tenure with reducing the EMI: interest saved, new EMI and new end date.

Prepayment Planner

Combine extra monthly payments, extra EMIs, a yearly EMI increase and a lump sum, and see when your loan will be free.

Outstanding Balance

Find the outstanding balance on your loan after any number of EMIs, with principal and interest paid so far and still to pay.

Rate Change Impact

See what a floating-rate change does to your loan: the new EMI if the tenure stays the same, or the new tenure if the EMI stays the same.

Balance Transfer

Check if moving your home loan to a lower rate is worth it after fees: net saving, new EMI and break-even month.

Flat vs Reducing

Convert a flat interest rate into the true reducing-balance rate and see the EMI and total interest.

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