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Loan Calculators

Tools for planning and comparing borrowing, from what a lender might sanction to what a lump sum prepayment would save on a loan you already have.

Loan CalculatorWork out the EMI, total interest and total repayment on any loan in India, and compare tenures side by side to see what a longer term really costs.Loan Interest CalculatorFind out how much interest a loan in India will cost over its full tenure, alongside the principal and total repayment, with a year-by-year breakdown.Loan Prepayment CalculatorSee how a part-prepayment changes an Indian loan: revised tenure, interest saved, and the alternative of keeping the tenure and lowering the EMI instead.Home Loan EMI CalculatorCalculate your home loan EMI in India, with total interest and a year-by-year amortisation schedule for tenures up to 30 years.Car Loan EMI CalculatorEnter the on-road price and your down payment to see the loan amount, monthly EMI, total interest and the full cost of financing a car in India.Personal Loan EMI CalculatorCalculate the EMI, total interest and total repayment on a personal loan in India, and compare tenures from 12 to 60 months.Bike Loan EMI CalculatorWork out the EMI on a bike or scooter in India after your down payment, with total interest, total cost and a tenure comparison.Education Loan EMI CalculatorCalculate the EMI on an education loan in India, the total interest over the repayment period, and how the moratorium changes what you owe.Gold Loan EMI CalculatorCalculate the EMI, total interest and total repayment on a gold loan in India, for any amount, rate and tenure.Loan Eligibility CalculatorEstimate the loan amount a lender might sanction on your income, after existing EMIs, for home, car, personal and two-wheeler loans in India.Flat vs Reducing Rate CalculatorCompare a flat interest rate against a reducing-balance rate on the same loan in India, and see the reducing rate a flat quote actually equals.

Which loan calculators should you use?

These calculators cover the whole life of a loan: working out what you might be sanctioned, comparing what it will cost, and seeing what changes if you pay some of it back early.

Before you apply, Loan Eligibility estimates the amount a lender might sanction on your income after existing EMIs. When you have a quote, Loan Calculator compares tenures side by side, and Loan Interest isolates what the borrowing actually costs.

For a specific loan type, go straight to the page for it: home loan, car loan, personal loan, two-wheeler loan, education loan or gold loan. Each carries the assumptions that matter for that product - loan-to-value caps on vehicles, moratorium interest on education loans, bullet repayment structures on gold.

Two comparisons are worth running before you sign anything. Flat vs Reducing Rate shows why a flat 10% is not a 10% loan, and Loan Prepayment shows what a lump sum would save you later.

Guides for this

The questions these calculators cannot answer on their own.

All loan calculators guides

Also useful here

These belong to another category, but people reach for them from this one.

EMI CalculatorCalculate your monthly EMI, total interest and full amortisation schedule for any loan amount, interest rate and tenure. Free, instant and made for India.EMI Affordability CalculatorEstimate the EMI your income can support after existing obligations, and the loan amount that EMI buys at Indian lending rates and tenures.Credit Card EMI CalculatorConvert a card purchase into EMIs and see the instalment, total interest, processing fee and 18% GST, so you know the full cost before you convert.

Reviewed by Pradipta Ray, Editor · Last updated