Loan & EMI Calculators
Every EMI, eligibility and prepayment tool for Indian borrowers — in one place.
Updated June 2026 · Free · No sign-up
An EMI (Equated Monthly Installment) is the fixed monthly payment on a reducing-balance loan, split between interest on the outstanding balance and principal repayment. Whatever you are borrowing for — a home, a car, education, or a personal need — the underlying maths is the same closed-form annuity formula, and these calculators apply it to each loan type with India-specific rates, tenures and rules.
Use the home loan tools to plan a property purchase (EMI, eligibility, affordability, prepayment and balance transfer), the vehicle tools for car and bike loans, and the personal, education and gold loan calculators for everything else. Every tool shows the full amortisation schedule and total interest, so you can compare tenures and rates before you commit.
All Loan & EMI Calculators
EMI Calculator
Calculate monthly EMI (Equated Monthly Installment) for home loan, car loan, or personal loan. Shows full amortization schedule with principal vs interest breakdown.
Home Loan EMI Calculator
Calculate monthly EMI for your home loan with prepayment options, total interest, and full amortization schedule. Compare 20-year vs 30-year tenure side-by-side and see how prepayments accelerate payoff.
Car Loan EMI Calculator
Calculate monthly EMI for new and used car loans with down-payment, ex-showroom vs on-road price split, and full amortization schedule. Compare 3 / 5 / 7-year tenure side-by-side.
Personal Loan EMI Calculator
Calculate monthly EMI for unsecured personal loans with processing-fee + GST factored into the true cost. Shows APR vs flat rate, total interest, and full amortization schedule for 1-5 year tenures.
Bike Loan EMI Calculator
Calculate monthly EMI for two-wheeler loans (bike, scooter, electric two-wheeler) with down-payment, on-road price, and amortization schedule. Supports 1-5 year tenures.
Education Loan EMI Calculator
Calculate monthly EMI for education loans with moratorium period (interest-accrual during study), repayment phase, and Section 80E tax-deduction estimate. Handles both simple-interest and compounded-interest moratorium policies.
Gold Loan EMI Calculator
Calculate eligible loan amount per gram of gold using the current RBI 75% loan-to-value cap, plus monthly EMI on the loan. Supports 18K / 22K / 24K purity and overdraft (interest-only) vs reducing-balance EMI repayment.
Credit Card EMI Calculator
Convert a credit-card purchase into EMI and see the true cost including processing fee, GST on interest, and total payable across 3 / 6 / 9 / 12 / 18 / 24-month tenures.
Home Loan Eligibility Calculator
Calculate the maximum home loan you qualify for based on monthly income, age, existing EMI obligations (FOIR ≤ 50-65%), tenure, and current interest rate. Shows the property price you can afford with your down-payment.
Personal Loan Eligibility Calculator
Calculate maximum personal loan eligibility using the FOIR (Foreseeable Obligations to Income Ratio) rule used by every Indian bank — typically 50-60% of monthly income minus existing EMIs. Supports salaried + self-employed + senior citizen profiles.
Home Loan Affordability Calculator
Calculate the maximum property price you can afford — reverse EMI math from your monthly income, existing EMIs, down payment available, home loan rate, and tenure. Applies HDFC / SBI / ICICI 40-50% FOIR caps + lender LTV (loan-to-value) constraints.
Home Loan Prepayment Calculator
Calculate the interest you save and the tenure reduction (or EMI reduction) from a one-time lumpsum, a recurring annual prepayment, or a monthly extra payment on your home loan. Shows when prepayment beats investing the same amount in equity.
Home Loan Balance Transfer Calculator
Calculate interest savings from transferring your home loan to a lower-rate lender mid-tenure. Factors in processing fee + legal/valuation charges + GST 18% + break-even months. Shows when balance transfer is worth it.
LAP EMI Calculator
Calculate Loan Against Property (LAP) EMI and eligible amount based on property value, LTV ratio (typically 50-75%), property type (residential / commercial), tenure, and interest rate. Pairs with secured-lending tax benefit context.
Loan / EMI Calculator
Calculate monthly loan payments, total interest, and full amortization schedule for any loan.
Frequently asked questions
How is a loan EMI calculated?
EMI = P × r × (1+r)^n / [(1+r)^n − 1], where P is the principal, r is the monthly interest rate (annual ÷ 12 ÷ 100) and n is the number of months. Banks use this reducing-balance method for every regulated retail loan.
Which loan has the lowest interest rate in India?
Secured loans are cheapest: home loans (~8-9%) and gold loans, followed by car loans. Education loans are moderate. Personal loans and credit-card EMIs are the most expensive (often 12-24%) because they are unsecured.
Does prepaying a loan save money?
Yes. Every extra rupee of principal removes all future interest on that rupee. RBI bars prepayment penalties on floating-rate retail loans, so you can prepay anytime free. Reducing tenure (keeping the EMI) saves the most interest.
What decides my loan eligibility?
Mainly your income and existing obligations — lenders cap your total EMIs at roughly 40-50% of net monthly income (the FOIR rule), then back-calculate the maximum loan for your chosen tenure and rate. Credit score and property value also matter.
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