Loan & EMI Calculators
Everything you need to plan borrowing: the monthly EMI, the total interest over the tenure, and a year-wise repayment schedule.
Start with the EMI calculator for any loan, or use a purpose-built calculator for a home, car, personal or education loan.
Calculators
- EMI CalculatorCalculate the monthly instalment, total interest and repayment schedule for any loan.
- Loan CalculatorA general-purpose loan calculator with EMI, interest, fees and schedule.
- Home Loan CalculatorEMI, interest and schedule for a housing loan, with prepayment insight.
- Personal Loan CalculatorEMI, interest and total repayment for an unsecured personal loan.
- Car Loan CalculatorEMI and interest for a new or used car loan, with down-payment insight.
- Education Loan CalculatorRepayment EMI for a student loan, with moratorium and 80E context.
- Simple Interest CalculatorInterest and total amount using the simple interest formula.
- Compound Interest CalculatorMaturity amount and interest with your choice of compounding frequency.
How to use these calculators
Enter the loan amount, interest rate and tenure. Compare a shorter tenure (higher EMI, less total interest) against a longer one, and check the amortisation schedule to see how your balance falls.
Borrow within your means
- Keep all EMIs together under about 40% of your take-home pay.
- Prefer the shortest tenure you can comfortably afford.
- Compare offers on total cost — repayment plus all one-time fees — not the headline rate.
Guides
Frequently asked questions
Which loan calculator should I use?
Use the EMI calculator for a quick estimate on any loan. Use the home, car, personal or education loan calculator when you want context and defaults tailored to that loan type.
Do these calculators use reducing-balance interest?
Yes. All loan calculators here use the monthly reducing-balance method that banks and NBFCs in India apply.