Loan & EMI Calculators

A loan is one of the largest financial commitments most Indians make — yet most borrowers only ask "what is the EMI?" without understanding the total interest they will pay over the loan tenure. Our loan calculators show the full picture so you never get surprised.

The Home Loan EMI Calculator is the most-used tool on the site. Enter principal, interest rate and tenure — it instantly shows monthly EMI, total interest payable, and a full amortization schedule. You can compare how changing the tenure by 5 years affects the total interest outgo (often by ₹10–20 lakh on a ₹50 lakh loan).

The unique Interest-Free Home Loan Calculator shows an advanced strategy: run a parallel SIP investment alongside your EMI. Over 20 years, a ₹10,000/month SIP at 12% can return more than the total home loan interest — making your loan effectively interest-free.

The Loan Prepayment Calculator answers the most common question borrowers have: "Should I make a part prepayment and by how much does it reduce my interest?" Enter your outstanding principal, current rate and a lumpsum prepayment amount to see exact interest saved and EMI tenure reduction.

For other loan types, dedicated calculators for Car Loans, Personal Loans, and Education Loans each use standard EMI formula with amortization. The Home Loan Eligibility Calculator tells you the maximum loan amount banks will sanction based on your net income and existing EMI obligations.

The universal EMI Calculator handles any loan type with a flexible amortization table — useful when you have a loan that doesn't fit neatly into a standard category.