13 calculators

Loan and EMI Calculators for India

See the full cost before you borrow. A monthly EMI is only one part of a borrowing decision. These tools also show total interest, repayment, tenure and how changes in rates or prepayments can alter the cost of a loan.

Start with your question

Move from affordability to repayment

01 Estimate borrowing capacity Begin with income, obligations and lender assumptions to estimate eligibility. 02 Plan study-loan repayment Model disbursement, course interest, moratorium and the EMI that begins after study. 03 Choose a debt payoff order Compare multiple debts under snowball, avalanche and minimum-only repayment. 04 Test one replacement loan Compare multiple current debts with one consolidation loan after fees, GST and closure costs. 05 Compare EMI and interest Test loan amount, rate and tenure before choosing a repayment structure. 06 Check a balance transfer Compare lower-rate savings with processing, legal and closure costs before switching lenders. 07 Plan a prepayment See whether a lump-sum prepayment may reduce interest or shorten the tenure.

Loans calculators

EMI Calculator Calculate monthly EMI, total interest and repayment for a reducing-balance loan. Loan Prepayment Calculator See how one extra payment can shorten your loan and reduce interest. Home Loan Calculator Estimate home-loan EMI, interest outgo, down payment, and loan-to-value ratio. Home Loan Balance Transfer Calculator Compare the remaining cost of your current home loan with a lower-rate balance transfer, including switching costs and break-even time. Education Loan EMI & Moratorium Calculator Estimate study-period interest, the balance when repayment begins, EMI and total education-loan cost. Car Loan Calculator Estimate car-loan EMI and the interest paid after your down payment. Personal Loan Calculator Estimate personal-loan EMI, interest, fees, and net disbursal. Home Loan Eligibility Calculator Estimate a possible loan amount from income, obligations, rate, tenure, and FOIR. Credit Card Payoff Calculator See how long a balance may take to clear and how much interest it can cost. Debt Snowball vs Avalanche Calculator Compare snowball, avalanche and minimum-only repayment across multiple debts using one fixed monthly budget. Debt Consolidation & Refinance Calculator Compare multiple existing debts with one proposed consolidation loan after interest, processing-fee GST, closure charges and other costs. Debt-to-Income Calculator Measure how much of your monthly income is committed to debt repayments. Flat vs Reducing Loan Calculator Compare a flat-rate quote with a reducing-balance loan on monthly and total cost.

Use the estimates well

Start with assumptions you can explain.

Compare monthly affordability with total interest over the tenure.

Model home, education, car and personal-loan repayment scenarios.

Compare snowball, avalanche, consolidation, prepayment and rate-reduction strategies.

Read our calculation methodology