Financial Calculators
Every borrowing decision starts with numbers. Our calculators work out EMIs, total interest, how much you can borrow, whether prepaying or switching lenders pays, what credit-card debt really costs, and which tax regime leaves you better off. Each one shows its working and the rule it applies, so you can check the result rather than take it on trust.
Updated
Loan EMI
- General EMI CalculatorWorks for any loan type and rate.
- Home Loan EMI CalculatorOptimised for large amounts and long tenures.
- Personal Loan EMI CalculatorFor 1-5 year unsecured loans.
- Business Loan EMI CalculatorMSME term-loan defaults.
- LAP EMI CalculatorLoan against property EMI planner.
- Credit Card EMI CalculatorConvert card outstanding to EMI.
Plan & save
- Prepayment CalculatorInterest saved by a lump sum, and EMI vs tenure reduction.
- Balance Transfer CalculatorIs a lower rate worth switching for? Net saving and break-even.
- Home Loan Eligibility CalculatorNewHow much you can borrow on your income and the property value.
- Credit Card Payoff CalculatorNewTime and interest to clear a card balance, and what minimum payments cost.
Tax
Why calculate before you borrow
The advertised interest rate is only part of the story. Tenure, processing fees and prepayments all change the total you pay. Take ₹50.0 lakh at 7.75%: over 20 years the EMI is ₹41,047 and the interest ₹48.5 lakh; over 15 years the EMI rises to ₹47,064, only ₹6,016 more a month, but the interest falls to ₹34.7 lakh, saving ₹13.8 lakh. Running numbers like these before you sign is the cheapest financial decision you will make.
Which calculator answers which question
| Your question | Calculator |
|---|---|
| What will my EMI be, and how much interest will I pay? | EMI calculator (or the home, personal, business, LAP versions with suitable defaults) |
| How big a home loan can I get? | Home loan eligibility calculator |
| Should I prepay, and should I cut the EMI or the tenure? | Prepayment calculator |
| Is moving my loan to another lender worth the cost? | Balance transfer calculator |
| How long will my card balance take to clear? | Credit card payoff calculator |
| Should I convert a card bill into EMIs? | Credit card EMI calculator |
| Old or new tax regime? | Tax regime calculator |
| How much of my HRA is tax-free? | HRA exemption calculator |
What will my EMI be, and how much interest will I pay?
- Calculator
- EMI calculator (or the home, personal, business, LAP versions with suitable defaults)
How big a home loan can I get?
- Calculator
- Home loan eligibility calculator
Should I prepay, and should I cut the EMI or the tenure?
- Calculator
- Prepayment calculator
Is moving my loan to another lender worth the cost?
- Calculator
- Balance transfer calculator
How long will my card balance take to clear?
- Calculator
- Credit card payoff calculator
Should I convert a card bill into EMIs?
- Calculator
- Credit card EMI calculator
Old or new tax regime?
- Calculator
- Tax regime calculator
How much of my HRA is tax-free?
- Calculator
- HRA exemption calculator
How our calculators work
- Loans use the reducing-balance method with monthly rests, the method Indian banks use for EMIs.
- Credit-card calculations add 18% GST to each month's interest, as card issuers do.
- Home-loan eligibility applies both an income test (EMIs as a share of income) and RBI's loan-to-value limits, and shows which one binds.
- Tax calculators apply the slabs, rebate and standard deduction for the year shown on the page.
- Defaults (rate, tenure, amount) are typical values, not offers; replace them with the figures from your Key Facts Statement.
- Nothing you enter is sent to us or stored: the calculations run in your browser.
Frequently asked questions
Do these calculators account for processing fee?
The EMI itself does not, since it is a formula on principal, rate, and tenure. Add the processing fee separately when comparing offers.
Can I export the amortisation schedule?
Yes. Every calculator shows a year-by-year amortisation schedule under the results, and a "Download CSV" button exports the full month-by-month schedule to open in Excel or Google Sheets.
Which is the best EMI calculator?
Any calculator using the standard EMI formula will produce the same result. Ours is designed to be clear, fast, and mobile-friendly.