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Work out your EMI, what you can borrow, what prepaying would save, and what registration will cost. Everything runs in your browser. Nothing is submitted, nothing is stored, and there is no signup.
Work out the monthly instalment before you commit to anything.
Any loan, any rate, any tenure
Work out the monthly instalment on any loan. Move the sliders and watch the EMI, the total interest and the full repayment schedule update as you go.
Open calculatorWith property value, down payment and LTV
Start from the property price rather than the loan amount. See how much you must bring as down payment, what loan-to-value ratio that leaves, and what the EMI works out to.
Open calculatorShows what the processing fee really costs
A personal loan advertised at a low rate with a high processing fee often costs more than the reverse. This works out the effective rate after the fee and GST are taken off the disbursal.
Open calculatorChecks the EMI against your turnover
Beyond the EMI, this checks whether the instalment is safe against your monthly turnover and margin, so you know if the business can genuinely carry the loan.
Open calculatorFrom on-road price to monthly instalment
Enter the on-road price and your down payment. See the loan amount, the EMI and the total you will actually pay for the car by the time the loan closes.
Open calculatorIncludes the moratorium period
Education loans do not start repaying until after the course. This shows what the interest accrued during study adds to your loan, and how much you save by paying that interest as you go.
Open calculatorFind out what you can borrow, and what you can afford.
Property value to eligible loan, then EMI
Work out how much you can raise against a property at a given loan-to-value ratio, and what the EMI on that amount would be.
Open calculatorWeight and purity to loan amount
Enter the weight of your gold and its purity in karats. See the market value of the gold content and the maximum loan available against it at the RBI loan-to-value cap.
Open calculatorThe FOIR method lenders actually use
Lenders cap your total EMIs at a share of your income. This applies that rule to your salary and existing EMIs to show what you can realistically borrow.
Open calculatorThe property price you can actually target
Works backwards from your income and savings to the sticker price you can realistically look at, after allowing for stamp duty and registration.
Open calculatorEvery instalment, month by month
The full repayment table for any loan. See how much of each EMI goes to interest and how much reduces the principal, with a yearly summary and a CSV download.
Open calculatorSee where you can cut the interest you are paying.
Saving after switching costs, not before
Compare staying with your current lender against moving to a cheaper one. Includes the processing fee and foreclosure charge, and tells you the month you break even.
Open calculatorCut the tenure or cut the EMI
See what a lump sum or extra monthly payment does to your loan. Compare keeping the EMI and finishing sooner against lowering the EMI and keeping the end date.
Open calculatorSection 80C and Section 24(b), old regime
Work out what your home loan saves you in tax each year. Principal under Section 80C up to ₹1.5 lakh, interest under Section 24(b) up to ₹2 lakh on a self-occupied house.
Open calculatorThe charges people forget until the last minute.
Three offers, one honest winner
Put up to three offers side by side. Ranks them on the total cost of borrowing, interest plus processing fee, rather than on the headline rate.
Open calculatorUttar Pradesh rates by default
Stamp duty and registration are paid from your own pocket and cannot be funded by the loan. This works out what you must keep aside, with Uttar Pradesh rates preset and editable.
Open calculatorThe arithmetic here is exact, and it is the same arithmetic your lender uses. What no calculator can know is the rate you will personally be offered, because that depends on your credit score, your income, your employer or business, and the asset involved.
Use these to plan. Use the lender's sanction letter to decide. And if you want a realistic figure rather than an estimate, call us and we will work it out with you.
Tell us your income and what you need. We will tell you what you are likely to be offered, by which lender, and what it will actually cost.
Lines are open Monday to Saturday. If we miss you, we call back the same day.