🏠 Loan & EMI Calculators
EMIs, amortisation, prepayment savings and home loan eligibility.
EMI CalculatorCalculate the monthly EMI, total interest and full repayment schedule for any loan.Home Loan EMI CalculatorPlan your home loan: monthly EMI, total interest and how the balance falls each year.Car Loan EMI CalculatorFind the EMI for your new or used car loan and the true total cost of the car.Personal Loan EMI CalculatorGet your EMI and the real annual cost of the loan once processing fees are included.Loan Prepayment CalculatorFind out how much interest and time you save by paying extra towards your loan.Home Loan Eligibility CalculatorEstimate the maximum home loan you can get from your income and existing EMIs.
Quick answers
- EMI Calculator
- EMI (Equated Monthly Instalment) is the fixed amount you pay every month to repay a loan with interest. A ₹10 lakh loan at 9.5% for 5 years has an EMI of ₹21,002, and you pay ₹2,60,112 in total interest.
- Home Loan EMI Calculator
- For a ₹50 lakh home loan at 8.5% for 20 years, the EMI is ₹43,391. Total interest is ₹54,13,879, more than the loan itself. Stretching the same loan to 30 years cuts the EMI to ₹38,446 but raises total interest to ₹88,40,443.
- Car Loan EMI Calculator
- A ₹8 lakh car loan at 9% for 5 years has an EMI of ₹16,607, with ₹1,96,401 in total interest. Choosing 7 years lowers the EMI to ₹12,871 but adds about ₹84,785 more interest, on a car that loses value every year.
- Personal Loan EMI Calculator
- A ₹5 lakh personal loan at 12% for 3 years has an EMI of ₹16,607. With a 2% processing fee plus GST taken from the payout, you receive less but repay the full EMI, so the true yearly cost (APR) is about 13.7%, not 12%.
- Loan Prepayment Calculator
- Prepaying ₹5 lakh after 2 years on a ₹50 lakh, 20-year loan at 8.5% saves about ₹14,57,301 in interest and ends the loan 3.8 years early if you keep the same EMI. Reducing tenure almost always saves more than reducing EMI.
- Home Loan Eligibility Calculator
- Banks cap your total EMIs at a share of net income, called FOIR, usually 50–60%. With a ₹1 lakh monthly take-home, no other loans, 50% FOIR and 8.5% for 20 years, you can get about ₹57,61,542. The maximum EMI is ₹50,000.