Loans & EMI
Every loans & emi calculator on CalcEngines — unit converters, derived indices and interpretive tools, each with its formula, a worked example and the reference intervals it is judged against.
19 calculators in this section
- Balloon Payment CalculatorThe EMI on a loan that leaves a lump sum — a balloon — to pay at the end, the size of that lump sum, and the extra interest it costs against repaying the whole loan in EMIs.
- Car Loan EMI CalculatorThe monthly EMI on a car loan from the car's price, your down payment, the interest rate and the tenure — with the total interest and what the car really costs you once the loan is repaid.
- Car Loan vs Cash CalculatorHave the cash to buy a car outright? Compare paying cash with borrowing and keeping your money invested — on the same monthly outgoings and the same end date, with tax on the return included.
- Debt-to-Income Ratio Calculator (DTI and FOIR)The share of your monthly income that already goes on loan EMIs and card payments, and the largest extra EMI that would keep it within a limit you choose.
- Education Loan CalculatorSee what an education loan costs once the course and the grace period are over: the interest that builds up while you study, the EMI on the larger balance, and how much the moratorium adds.
- EMI CalculatorWork out the monthly instalment on a home, car, personal or education loan from the amount, interest rate and tenure — and see how much of what you repay is interest.
- Flat vs Reducing Rate CalculatorTurn a flat interest rate into the reducing-balance rate that charges the same EMI, or a reducing rate into its flat equivalent, with the EMI and total interest both ways.
- Gold Loan CalculatorHow much you can borrow against gold jewellery and what it costs: the gold's value, the lender's loan-to-value, India's RBI caps by loan size, and the interest on an EMI, interest-only or bullet loan.
- Home Loan Eligibility CalculatorHow large a home loan can you afford? Start from the EMI you are comfortable paying — or a share of your monthly income you choose, less the EMIs you already pay — and see the largest loan that EMI repays at a given rate and tenure.
- Interest-Only Loan CalculatorThe monthly payment while you pay only interest, the EMI when repayment starts, how big the jump is, and what the interest-only years add to the total against a loan repaid from day one.
- Loan Affordability CalculatorHow much can you borrow, and what can you buy with it? Start from the EMI you can pay — or a share of your income you choose — and see the loan it repays and the price your down payment then supports.
- Loan Against FD CalculatorHow much you can borrow against a fixed deposit, what the loan costs, and whether that is cheaper than breaking the FD and paying the premature-withdrawal penalty.
- Loan Amortization CalculatorThe full repayment schedule of a loan: the EMI, and for every year the balance you start with, the interest and principal your instalments pay, and the balance left at the end.
- Loan Balance Transfer CalculatorShould you move your home loan to a lender with a lower rate? Compare the EMI and the interest on the outstanding balance at both rates, net of the cost of switching, and see when that cost is earned back.
- Loan Payoff CalculatorHow many months until a loan is paid off at the payment you make now — and how much sooner, and how much cheaper, if you pay a little extra each month.
- Loan Prepayment CalculatorPaying a lump sum off your loan? Compare the two choices lenders usually offer — keep the EMI and finish sooner, or keep the tenure and pay a smaller EMI — and see the interest each one saves.
- Loan Tenure CalculatorKnow the EMI you can afford? Find how many months it takes to repay a loan at that EMI, the total interest, and the lowest EMI that repays the loan at all.
- Personal Loan EMI CalculatorYour personal loan EMI, plus what the processing fee really costs: the money you actually receive, the total cost of borrowing, and how much the fee adds over the quoted rate.
- Prepay or Invest CalculatorGot a lump sum? Compare prepaying your loan with investing the money, on a like-for-like basis: same monthly outgoings, same end date, tax on gains included.