Loan & EMI calculators

Work out what a loan actually costs before you sign the sanction letter. · 6 free calculators · Updated 6 August 2026

An EMI looks harmless on a bank's brochure and brutal on a 20-year amortisation schedule. These calculators show both sides: the monthly outgo you have to fund from salary, and the total interest you hand over across the tenure. Run a home loan at 8.5% for 20 years and you will usually find the interest is close to the principal itself — which is exactly why a small rate difference, a shorter tenure or one annual prepayment changes the outcome so sharply.

Use the EMI calculators to size the loan against your income, the eligibility calculator to see what a lender is likely to sanction against your obligations, and the prepayment calculator to compare reducing the EMI against reducing the tenure. If a lender quotes a flat rate, convert it first — a flat rate is close to twice the equivalent reducing-balance rate, and the flat-vs-reducing calculator makes that gap visible in rupees.