Loan Calculator – EMI, Interest & Total Repayment
Plan a loan by comparing principal, interest rate and tenure, with an optional processing-fee estimate.
See how rate and tenure change repayment
This calculator uses the standard reducing-balance EMI method. Compare the total interest rather than looking only at the monthly EMI.
Good use cases
Home loans, personal loans, car loans, education loans and other amortising loans where the interest rate and tenure are known.
Simple, practical and designed for India
Use the calculator for quick estimates and planning. Results are indicative and depend on the assumptions, rates, rules and information you enter. For tax and financial decisions, verify the result against the latest official rules and your individual circumstances.
USR Advisory & Consulting Services provides research-driven and practical financial information. Calculator outputs are for educational and planning purposes and are not a substitute for professional tax, legal or investment advice.