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Loan & EMI Calculators

Before you borrow, see the monthly instalment, the total interest and what the rate a bank or NGO quotes really costs per year — fees included.

EMI CalculatorMonthly loan instalment, total interest and repayment scheduleSimple Interest CalculatorSimple interest and total amount from principal, rate and timeCredit Card EMI CalculatorCard purchase in instalments: monthly EMI, fees and true costFlat vs Reducing RateHow much interest you really pay on flat vs reducing-rate loans

More calculators coming soon

In this section

  • EMI calculator: monthly instalment, total interest and a year-by-year repayment schedule, with side-by-side comparison of two loans.
  • Credit card EMI: the monthly instalment for a card purchase over 3 to 36 months, the processing fee, total cost and true yearly rate including fees — and how long paying only the minimum would take.
  • Flat vs reducing rate: instalment and total interest on a flat and a reducing-rate loan side by side, and what a flat rate really equals per year. NGO weekly instalments are covered too.
  • Simple interest calculator: simple interest and the total amount from principal, rate and time.

Frequently asked questions

Will these results match my bank's figures?

Very closely. Processing fees, day-count rules and instalment dates differ slightly between banks, so confirm the final figure with your bank's documents.

What is the difference between a flat and a reducing rate?

A flat rate charges interest on the original loan for the whole term; a reducing rate charges only on what is still owed. At the same rate, flat interest comes to nearly double — check it in the flat vs reducing calculator.

How do I see the real cost of a 0% EMI offer?

In the credit card EMI calculator, enter 0 interest and the processing fee. It shows the true yearly cost including the fee, so you can compare it with other loans.

Can I enter the term in months?

Yes. There is a years/months switch next to the term, so a 6-month or 18-month instalment plan works naturally.

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