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Calculate monthly payments, total interest, and full amortization schedule for any loan or mortgage. Works for home loans, car loans, and personal loans.
Each calculator is pre-configured with typical rates and tenures for that loan type.
Calculate EMI for home loans and mortgages. Typical rate: 8–9.5% p.a., tenure up to 30 years.
Calculate EMI for new or used car loans. Typical rate: 8.5–12% p.a., tenure 1–7 years.
Calculate EMI for personal loans. Typical rate: 10–24% p.a., tenure 1–5 years.
Calculate EMI for business loans and working capital. Typical rate: 10–18% p.a.
Get your monthly payment, total interest, and full amortization schedule in seconds — for any loan or mortgage.
Enter the loan amount
Type the principal — the total amount you are borrowing or the home purchase price minus your down payment for a mortgage.
Set the annual interest rate
Enter the annual interest rate (APR) as a percentage. For mortgages, use the rate quoted by your lender. For personal loans, check your loan agreement.
Choose the loan term
Select the repayment period in months or years. Common terms are 12–84 months for personal loans and 10, 15, 20, or 30 years for mortgages.
Review EMI, total interest, and amortization
The calculator instantly shows your monthly EMI, total interest paid over the life of the loan, total repayment amount, and a full month-by-month amortization schedule.
Whether you're buying a home, financing a car, or comparing loan offers, this calculator gives you the numbers you need to decide with confidence.
Mortgage planning
Calculate your monthly mortgage payment for different home prices, down payments, and interest rates to find a repayment plan that fits your budget.
Personal loan comparison
Compare EMIs and total interest across multiple loan offers with different rates and terms to identify the most cost-effective option.
Car loan budgeting
Work out the monthly payment for an auto loan before visiting a dealership, so you know exactly what you can afford without being pressured.
Prepayment impact analysis
See how making extra payments or a lump-sum prepayment reduces your total interest and shortens the loan tenure.
Business loan assessment
Evaluate the cash flow impact of a business loan by calculating the monthly repayment obligation against projected revenue.
Education loan planning
Estimate monthly repayments for a student loan after graduation to plan your finances before taking on the debt.
Common questions about EMI calculations, amortization schedules, and how to use the results for real loan decisions.
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