Loan Calculators
From personal loans to auto finance, our loan calculators show you exactly what you'll pay — monthly payment, total interest, and full amortisation breakdown — before you sign anything.
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Personal & General Loans
Monthly payments, total cost, and amortisation schedules
Auto & Vehicle Finance
Car loan payments, trade-in value, and lease vs buy
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Credit Card Minimum Payment Calculator
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Late Payment Interest Calculator
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Auto Loan Calculator
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Balance Transfer Calculator
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Balloon Payment Calculator
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Borrowing Capacity Calculator
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Business Loan Calculator
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Car Affordability Calculator
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Car Lease vs Buy Calculator
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Car Loan EMI Calculator
Estimate monthly car-loan EMI, total interest, and financing trade-offs.
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Credit Card EMI Calculator
Estimate credit-card EMI cost for converted purchases or outstanding balances.
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Credit Score Impact Estimator
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Credit Utilization Calculator
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Debt Consolidation Calculator
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Debt Service Coverage Ratio Calculator
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Down Payment Calculator
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Extra Loan Payment Calculator
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Fixed Rate Loan Calculator
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Flat vs Reducing Rate Calculator
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Home Loan EMI Calculator
Estimate monthly home-loan EMI, total interest, and total repayment.
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Installment Calculator
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Interest Rate Calculator
Estimate the implied interest rate behind known loan or repayment inputs.
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Interest-Only Loan Calculator
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Line of Credit Calculator
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Loan Amortization Calculator
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Loan APR Calculator
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Loan Comparison Calculator
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Loan Eligibility Calculator
Estimate borrowing capacity from income, obligations, rate, and tenure.
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Loan EMI Calculator
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Loan Interest Calculator
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Loan Payment Calculator
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Loan Payoff Calculator
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Loan Principal Calculator
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Loan Term Calculator
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Loan-to-Value Calculator
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Payday Loan Cost Calculator
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Personal Loan Calculator
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Personal Loan EMI Calculator
Estimate monthly personal-loan EMI, total interest, and full repayment cost.
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Prepayment Penalty Calculator
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Secured Loan Calculator
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Student Loan Calculator
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Student Loan Payoff Calculator
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Student Loan Refinance Calculator
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Unsecured Loan Calculator
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Variable Rate Loan Calculator
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Working Capital Loan Calculator
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Loans Glossary — Key Terms Explained
- Principal
- The original loan amount before interest. As you make payments, principal decreases. Early loan payments are mostly interest; later payments are mostly principal (amortisation).
- APR (Annual Percentage Rate)
- The true cost of a loan per year, including interest rate plus all fees (origination, processing). Always compare loans using APR, not just the stated interest rate.
- Amortisation
- The process of paying off a loan through regular scheduled payments. Each payment covers interest on the outstanding balance plus a portion of principal. As the balance decreases, more of each payment goes to principal.
- Term
- The length of the loan — typically expressed in months (24, 36, 48, 60 months). Longer terms mean lower monthly payments but more total interest paid.
- Prepayment
- Paying more than the scheduled payment. Extra principal payments reduce the loan balance faster and can save significant interest. Check if your loan has prepayment penalties before making extra payments.
Frequently Asked Questions
How do I calculate my monthly loan payment?
Monthly payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1], where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12), and n is the number of monthly payments. For a $10,000 loan at 6% APR over 3 years: monthly payment = $304.22, total interest = $951.92.
What is a good interest rate for a personal loan?
Personal loan rates vary widely by credit score: excellent credit (750+) can access rates of 6–12% APR; good credit (700–749) typically 10–18%; fair credit (650–699) often 18–28%. Below 650, rates can exceed 30%. Always compare multiple lenders using APR.
Should I choose a shorter or longer loan term?
Shorter terms: higher monthly payment but less total interest — better for total cost. Longer terms: lower monthly payment but more total interest — better for cash flow. Example: $20,000 car loan at 7% — 3 years costs $2,209 total interest; 6 years costs $4,491 total interest but saves $200/month.
What happens if I make extra payments?
Extra payments reduce the outstanding principal, which reduces the interest charged in subsequent months, shortening the loan term and reducing total interest paid. Even one extra payment per year can shave months off a car loan and hundreds of dollars in interest.