Loans & EMI Calculators
Home, car, personal, bike and education loan EMI tools.
Indian loans use the reducing-balance EMI method, where every monthly payment slices off a bit of principal and a bit of interest — and that ratio flips dramatically over the loan's life. This category computes EMIs for every loan type (home, car, personal, education, bike) and goes deeper than the average bank calculator: full amortisation schedules, prepayment impact analysis, balance-transfer savings, and the unique 'prepay vs invest in MF' comparison that quantifies whether you're better off retiring debt or growing a parallel investment.
EMI Calculator
Universal loan EMI calculator with flat-rate and reducing-balance modes.
Home Loan EMI Calculator
Comprehensive home loan EMI calculator with prepayment impact analysis.
Car Loan EMI Calculator
Instant car loan EMI calculation with processing fee and GST insights.
Personal Loan EMI Calculator
Compare personal loan EMIs and optimize your debt repayment strategy.
Home Loan Balance Transfer
See your savings from transferring your home loan to a lower rate.
Loan Prepayment Calculator
Calculate interest savings from loan prepayments and tenure reduction.
₹20 Lakh Home Loan EMI
EMI calculator specifically for a ₹20 Lakh home loan.
₹50 Lakh Home Loan EMI
EMI calculator for a ₹50 Lakh home loan with prepayment view.
Car Loan EMI Calculator (Detailed)
Detailed car loan EMI calculator with full amortization schedule.
Personal Loan EMI (Detailed)
Personal loan EMI calculator with prepayment and processing fee logic.
EMI with Prepayment Strategy
Plan periodic prepayments and see the resulting interest savings.
Bike Loan EMI Calculator
Two-wheeler and bike loan EMI calculator with tenure insights.
Education Loan EMI Calculator
Education loan EMI with moratorium and capitalised interest.
₹75 Lakh Home Loan EMI
EMI calculator for a ₹75 Lakh home loan in India.
₹1 Crore Home Loan EMI
EMI calculator for a ₹1 Crore home loan with prepayment view.
₹10 Lakh Car Loan EMI
EMI calculator for a ₹10 Lakh car loan with GST and fees.
Loan Prepayment vs Investment Calculator
Decide whether to prepay your loan or invest the surplus in mutual funds — compares 5 strategies side-by-side.
Who these tools are for
- •Anyone evaluating a new loan and budgeting the monthly EMI
- •Existing borrowers wondering if they should prepay or invest a surplus
- •Home-loan holders considering a balance transfer to a lower rate
- •Self-employed buyers planning car or equipment financing
India-specific things to know
- →RBI has removed prepayment penalties on floating-rate home loans for individuals
- →Home loan: principal qualifies for 80C (₹1.5L), interest for Section 24(b) (₹2L) — old regime only
- →One extra EMI per year can cut a 20-year home loan to ~17 years
- →Choose tenure carefully — long tenures lower EMI but inflate total interest 2-3×