Loans Calculators
Calculate loan EMIs, interest payable, and analyze reducing balance amortization rates for home and car mortgages.
Available Tools
Generate a yearly breakdown of principal and interest repayments for loans.
Calculate interest savings from transferring your outstanding loan balance to a lower rate.
Calculate EMI and interest costs for motorcycle or scooter loans.
Calculate EMI structures and interest outlays for commercial business loans.
Calculate EMI, total interest, and repayment schedule for your car loan.
Calculate EMI and repayment schedules for student loans.
Calculate the loan amount you can get against your gold ornaments and the interest payable.
Calculate monthly installments, interest splits, and amortization parameters on home loans.
Calculate how much loan you can afford based on your income and expenses.
Compare two loan offers side-by-side to find the cheapest option.
Check your eligible loan amount based on salary and existing EMIs.
Calculate EMI and interest for unsecured personal loans.
Calculate interest savings and tenure reductions when making lumpsum loan prepayments.
Calculate exact Stamp Duty and Registration charges for buying a home in India. Compare state-wise rates for men, women, and joint ownership.
Guides & Analysis
How to Use Your Annual Bonus Without Wasting It: Indian Framework
Learn the 50-30-20 rule for annual corporate bonuses in India. Discover how to prepay debt, supercharge investments, and enjoy rewards with zero guilt.
Business Loan EMI: The Mathematics of Cash Flow and Debt Service
Calculate your exact business loan EMI and understand the Debt Service Coverage Ratio (DSCR) before locking your company into long-term debt.
The Complete Indian Credit Score Guide: CIBIL, CRIF & Loan Terms
Master credit scores in India: how CIBIL is calculated, the 30% CUR rule, resolving errors, and rebuilding a 750+ score to unlock lower loan interest.
Debt Avalanche vs Debt Snowball: Which Method Works Best?
A comprehensive guide comparing the Debt Avalanche and Debt Snowball strategies in India: mathematical savings vs psychological momentum with rupee examples.
Debt-to-Income Ratio in India: How Much Debt Is Too Much?
A complete guide to Debt-to-Income (DTI) and FOIR in India: bank loan approval benchmarks, safe EMI ratios, and reducing your debt burden.
Buying Your First Home: The Complete Financial Checklist
Before you sign the builder's agreement, read this. Discover the hidden costs of Registration, Interiors, and the brutal reality of home ownership.
Floating Home Loan Interest Rate Reset in India: Rules & Calculation
A complete guide to floating home loan rate resets in India: RBI EBLR and repo rate benchmarks, tenure extension vs EMI hike traps, and borrower rights.
Floating vs Fixed Interest Rate: Which Home Loan Is Better?
Are Fixed Rate loans a trap? We break down the RBI repo cycle, conversion charges, and the exact math to determine which loan saves you the most money.
Hidden Costs of Buying a House in India: The Real Expense Guide
A complete guide to the hidden costs of buying a home in India: stamp duty, GST, maintenance corpus, interior fit-outs, and legal scrutiny expenses.
Home Loan Amortization Schedule in India: Where Does Your EMI Go?
Understand home loan amortization in India: EMI split between principal and interest, reducing balance math, front-loading, and tax benefits.
Home Loan Balance Transfer in India: Calculate Real Savings
A complete guide to home loan balance transfers in India: calculating true net interest savings, MODT stamp duty, legal costs, and break-even analysis.
How Much Down Payment for a Home Loan in India: Ideal Ratio Guide
A complete guide on home loan down payment in India: RBI LTV caps, 20% vs 40% trade-offs, liquidity buffer rules, and avoiding emergency fund depletion.
How Banks Actually Calculate Your EMI (And Why It Feels Unfair)
You've paid EMIs for 5 years, but your balance hasn't dropped. Discover the brutal reality of Amortization, and the mathematical formula banks use.
The 5 Biggest Home Loan Mistakes That Cost Indians Lakhs
Buying a house is emotional, but the loan is mathematical. Avoid the catastrophic mistakes that trap families in debt, like maxing out eligibility.
Home Loan Part-Prepayment vs Full Prepayment in India: Guide
A complete guide to home loan part-prepayment vs full foreclosure in India: RBI penalty rules, tenure compression vs EMI reduction, and tax implications.
Should I Close My Loan Early or Invest Instead? The Ultimate Math
Should you prepay your home loan or start an SIP? Discover the brutal math behind opportunity cost, taxes, and why being debt-free isn't always smart.
Home Loan Processing Fees and Charges in India: Complete Guide
A complete guide to home loan processing fees and bank charges in India: administrative costs, legal fees, valuation charges, MODT, and fee waiver tips.
How Much House Can You Actually Afford in India?
Earning ₹1 Lakh a month doesn't mean you can afford a ₹1 Crore house. Learn the brutal math behind FOIR and how to calculate your true affordability.
Joint Home Loan in India: Ownership, EMI & Tax Benefits Guide
A complete guide to joint home loans in India: co-ownership rules, dual tax benefits under Sections 24(b) and 80C, EMI sharing, and dispute risks.
Loan Balance Transfer Explained: Costs, Savings & Break-Even
A complete guide to loan balance transfers in India: home vs personal loans, calculating net interest savings, hidden MODT fees, and break-even analysis.
Loan Co-Borrower vs Guarantor: Legal & Financial Differences
A complete guide comparing loan co-borrowers and guarantors in India: joint liability, CIBIL credit impact, legal recovery rules, and tax benefits.
Loan Foreclosure Charges in India: Rules, Penalties & Rights
A complete guide to loan foreclosure charges and rules in India: RBI guidelines on floating vs fixed rates, foreclosure letters, and retrieval of documents.
Personal Loan Prepayment: When Does Closing Early Make Sense?
A complete guide to prepaying personal loans in India: reducing balance amortization math, foreclosure penalties, lock-in periods, and opportunity costs.
Rent vs Buy in India: The Ultimate Financial Breakdown
Confused between renting a house and taking a home loan? We break down the math, common mistakes, and the exact formula to decide whether you should rent...
How Much EMI Is Actually Safe? The Brutal Mathematics of Debt
Your bank says you qualify for a ₹1 Lakh EMI. That doesn't mean it's safe. Discover FOIR limits and how to bulletproof your family against a job loss.
How to Allocate a Salary Hike in India: Spending, Debt, Investing
Learn the exact mathematical framework to allocate your annual salary appraisal in India between lifestyle spending, loan prepayment, and equity SIP step-ups.
Stamp Duty and Registration Charges in India: Home Buyer Guide
A complete guide to stamp duty and registration charges in India: state-by-state rates, ready reckoner valuation, women concessions, and Section 80C benefits.
20-Year vs 30-Year Home Loan in India: Tenure Cost Comparison
A complete guide comparing 20-year and 30-year home loans in India: real interest cost differences, monthly EMI relief, prepayment math, and retirement impact.
Frequently Asked Questions
How is reducing balance EMI calculated?
Reducing balance EMI charges interest only on the outstanding loan principal balance rather than the initial borrowing sum, which decreases overall interest costs over time.