Loan Calculators

Compare EMIs and borrowing costs before you sign.

EMI Calculator
Estimate your monthly EMI, total interest and total payout for a reducing-balance loan. Change amount, rate or tenure and see the trade-off instantly.
Home Loan EMI Calculator
Plan housing EMI from the sanctioned loan amount, rate (% p.a.) and tenure. Compare monthly instalment against total interest before you lock the sanction.
Credit Card EMI Calculator
Convert a credit-card purchase to EMI — live instalment, interest, and payment schedule.
Personal Loan EMI Calculator
Estimate personal loan EMI from amount, rate (% p.a.) and a 1–5 year tenure. Compare the instalment against total interest before you borrow unsecured cash.
Simple Interest Calculator
Calculate simple interest and total amount — live as you move the sliders, with growth over time.
Loan Eligibility Calculator
Estimate how much loan you may qualify for from income, existing EMIs, rate, and tenure — live FOIR-based estimate.
EMI Calculator
Estimate your monthly EMI, total interest and total payout for a reducing-balance loan. Change amount, rate or tenure and see the trade-off instantly.
Home Loan EMI Calculator
Plan housing EMI from the sanctioned loan amount, rate (% p.a.) and tenure. Compare monthly instalment against total interest before you lock the sanction.
Credit Card EMI Calculator
Convert a credit-card purchase to EMI — live instalment, interest, and payment schedule.
Personal Loan EMI Calculator
Estimate personal loan EMI from amount, rate (% p.a.) and a 1–5 year tenure. Compare the instalment against total interest before you borrow unsecured cash.
Simple Interest Calculator
Calculate simple interest and total amount — live as you move the sliders, with growth over time.
Loan Eligibility Calculator
Estimate how much loan you may qualify for from income, existing EMIs, rate, and tenure — live FOIR-based estimate.
Gold Loan EMI Calculator
Estimate gold loan EMI from appraised jewellery value, loan amount, rate (% p.a.) and a short 1–5 year tenure. See the instalment, interest and illustrative 75% LTV soft-cap before you pledge.
Car Loan EMI Calculator
Estimate car loan EMI from financed amount, rate (% p.a.) and a mid-range tenure. Compare the instalment against total interest before you sign at the showroom.
Agriculture Loan Calculator
Estimate farm / agri-term loan EMI — live results with the same payment schedule as our other loan tools.
Loan Affordability Calculator
Find a loan amount you can afford from monthly income, other EMIs, rate, and tenure — live as you move the sliders.
Education Loan EMI Calculator
Estimate repayment-phase education loan EMI from amount, rate (% p.a.) and a mid tenure (often 5–10 years). Compare the instalment and total interest once EMI starts after study.
Business Loan EMI Calculator
Estimate business loan EMI for working capital or expansion from amount, rate (% p.a.) and a mid tenure. Compare the instalment with total interest before cash flow commits.

Loan calculators that match how banks quote

Most retail loans use reducing-balance EMI, not flat simple interest. Start with the EMI calculator, then open the personal, home, car, education, or business loan variants when you want defaults and FAQs tuned to that product.

Eligibility and affordability tools help you stress-test income versus obligations before you walk into a branch.

Frequently asked questions

Usually not. Most retail loans use reducing-balance EMI. Simple interest is a different formula — use it only when that is what was quoted.

Use the loan eligibility and affordability tools with your income, existing EMIs, and a realistic FOIR.

Yes. Longer tenure lowers EMI but raises total interest. Read our loan tenure guide before you stretch the term.

Related guides

What Is EMI? Meaning, Examples, and How It Works
EMI is the fixed monthly instalment you pay a bank or lender until your loan is closed. Here is what that number really includes.
Loan Tenure Guide — How Long Should You Borrow?
Tenure sets your EMI and your total interest. Shorter is cheaper overall; longer is easier monthly. The right answer is the one your cash flow can carry.
How to Reduce EMI — Practical Levers for Borrowers
Lower EMI usually means longer tenure, a better rate, a smaller principal — or a mix. Each path has a cost. Pick deliberately.
How EMI Is Calculated — Formula with Worked Example
banks use the reducing-balance EMI formula. Here is the maths, a worked example, and the mistakes that throw people off.
Fixed vs Floating Interest Rates on Loans
Fixed rates stay put for a defined period. Floating rates move with a benchmark. Your EMI comfort depends on which risk you prefer.
EMI vs Reducing Balance — What Borrowers Mix Up
EMI is the monthly payment. Reducing balance is how interest is charged. Confusing the two makes expensive loans look cheap.