/Free Loan & EMI Calculators

Free Loan & EMI Calculators

Calculate EMIs, prepayments, eligibility, and compare loans side-by-side.

Loans in India break down into a few distinct math problems depending on what you're borrowing for and where you are in the process. Before you apply, you want to know what you can actually afford. After you're approved, the question shifts to whether you're getting a fair deal and how to pay it off faster.

Which Calculator Do I Need?

Buying a home or already have a home loanHome Loan EMI →Financing a car in India, new or usedCar EMI Calculator →Financing a car in the US, with trade-in/sales taxAuto Loan Calculator →Need an unsecured personal loanPersonal Loan EMI →Checking if a bank will actually approve youLoan Eligibility Calculator →Comparing two loan offers with different feesLoan Comparison Calculator →Deciding whether to prepay or invest the surplusLoan Prepayment vs Invest →Your current bank's rate looks highHome Loan Balance Transfer →

Key Formulas

EMI (reducing balance)

EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1)

Total Interest

Total Interest = (EMI × n) − P

Home Loan EMI

Calculate monthly instalments (EMI) for your home purchase with a detailed amortization schedule.

TRENDING

Personal Loan EMI

Estimate your monthly EMI for short-term unsecured personal loans.

Car EMI Calculator

Calculate your car loan EMI from on-road price, down payment, interest rate, and tenure, with a full amortization schedule.

Auto Loan Calculator

Calculate your US car loan payment including trade-in value and sales tax, with terms from 24 to 84 months.

Loan Prepayment Calculator

See how making extra monthly or lumpsum payments saves interest and shortens tenure.

Loan Eligibility

Estimate the maximum loan amount you qualify for based on your monthly income and obligations.

Loan Comparison (Side-by-Side)

Compare two loan offers side-by-side with different rates, fees, and tenures.

Balance Transfer Calculator

Calculate net savings when transferring your outstanding loan to a lower-interest lender.

Home Loan Balance Transfer

Calculate your exact savings when transferring your home loan balance to another bank.

Credit Card Balance Transfer

Calculate exactly how much you save with a credit card balance transfer.

Prepayment vs Investment Comparison

Compare whether it is better to pay off your outstanding loan early or invest your surplus money.

Home Loan Tax Benefit

Calculate your tax savings under Section 80C (principal) and Section 24b (interest) under the Old Regime.

INDIA SPECIFIC

Mortgage Payoff Calculator

Calculate how much interest and time you save by making extra payments toward your mortgage principal.