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Loans Calculators

Work out your EMI, total interest and eligibility before you sign, comparing lenders and tenures side by side.

10 calculators

Loan math looks simple on the surface but small differences in rate, tenure or prepayment schedule change the total interest by lakhs. These calculators show the full amortisation logic so you can compare offers on equal footing.

All Loans Calculators
ELoans
EMI Calculator
Calculate the monthly instalment for any loan amount, rate and tenure.
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HLoans
Home Loan Calculator
Estimate your EMI, total interest and payout for a home loan.
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PLoans
Personal Loan Calculator
Compare EMI and total interest across different tenures and rates.
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CLoans
Car Loan Calculator
Plan an auto loan's EMI and total interest before you sign.
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ELoans
Education Loan Calculator
Estimate your repayment schedule after the course moratorium ends.
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LLoans
Loan Eligibility Calculator
Check the loan amount you may qualify for based on your income.
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BLoans
Balance Transfer Calculator
See how much you could save by switching your loan to another lender.
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PLoans
Prepayment Savings Calculator
Find the interest you'll save by paying off a loan ahead of schedule.
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GLoans
Gold Loan Calculator
Estimate your EMI and interest payout against gold jewellery collateral.
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CLoans
Credit Card Interest Calculator
See the true interest cost of revolving credit card debt or converting a bill to EMI.
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How to think about loan calculators

A few principles worth knowing before you run the numbers.

1EMI is a trade-off between tenure and interest

A longer tenure lowers your monthly EMI but increases the total interest paid over the life of the loan. Use the EMI Calculator to see both numbers side by side before choosing a tenure.

2Compare the total cost, not just the rate

A slightly lower interest rate with a longer tenure can cost more overall than a higher rate with a shorter one. Always compare total interest paid, not just the advertised rate.

3Prepaying early saves more than prepaying late

Extra payments in the first few years reduce more interest than the same amount paid later, because more of your early EMI goes toward interest. The Prepayment Savings Calculator quantifies this.

4Not every loan amortizes the same way

A gold loan can be structured as a regular EMI or as interest-only payments with the full principal due at the end (bullet repayment). A credit card's "minimum due" isn't an EMI at all: it's a percentage that can leave a balance revolving for years. Check which shape actually applies before assuming standard amortisation.

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Frequently asked questions

Straight answers to the questions we hear most about Loans calculators.

Does the EMI calculator include processing fees?
No, it calculates EMI based on principal, rate and tenure only. Add your lender's processing fee and other charges separately for the true cost of borrowing.
How does a balance transfer actually save money?
A balance transfer moves your outstanding loan to a lender offering a lower rate. The Balance Transfer Calculator estimates savings after accounting for transfer and processing fees.
Is loan eligibility the same across lenders?
No, eligibility depends on each lender's income multiplier and existing obligations. The Loan Eligibility Calculator gives an indicative range, not a guaranteed sanction amount.
Does prepayment always reduce my EMI?
Not necessarily. Most lenders let you choose between reducing the EMI or shortening the tenure after a prepayment, and shortening the tenure usually saves more total interest.
Why is my credit card interest so much higher than a personal loan?
Credit cards typically charge 3-3.6% PER MONTH (40%+ annualised) versus a personal loan's yearly rate. Carrying a card balance is one of the most expensive ways to borrow; the Credit Card Interest Calculator shows exactly how much that costs over time.
What counts toward existing obligations in an eligibility check?
Other active EMIs, credit card minimums and any co-signed loans are typically included. The Loan Eligibility Calculator lets you enter these directly for a more accurate estimate.

Learn more

Articles to go deeper on the ideas behind Loans calculators.

Fundamentals
How EMI is actually calculated
The amortisation formula behind every loan, broken down step by step.
5 min read
Fundamentals
The credit card minimum payment trap, explained
Why paying only the minimum can take years and cost more than the purchase itself.
5 min read
Fundamentals
RBI's tiered gold loan LTV rules, explained
What changed in April 2026, and why smaller loans now get a bigger ceiling.
4 min read