Loans & Mortgage Calculators
23 toolsRepayments, EMIs and amortisation schedules.
EMI & Repayment
EMIEquated monthly instalment, total interest and total cost for home, car and personal loans, with a full amortisation schedule and principal-vs-interest breakdown.AmortizationGeneric, US-style loan amortization: enter the loan amount, interest rate, term in years and payment frequency to get the payment per period, total interest, total paid and a full amortization schedule with a principal-vs-interest breakdown.Loan PayoffFind your monthly payment, total interest, total cost and payoff time for any fixed-rate loan from the amount, rate and term — plus an optional extra monthly payment that shows exactly how much interest and time you save, with a full amortization schedule.
LoanSoonMonthly payment and total cost for any personal, auto or student loan.
Vehicle
Car LoanCar loan monthly payment, total interest and total cost from the vehicle price, down payment and trade-in — with the financed amount, a full amortisation schedule and a principal-vs-interest breakdown.Auto LeaseEstimate your monthly car lease payment from the negotiated price, down payment, residual value and money factor, with depreciation, rent charge and tax broken out.
Home & Mortgage
RefinanceCompare your current mortgage with a refinance offer: monthly savings, the break-even point on closing costs and your lifetime savings. Enter the balance, current and new rate, terms and closing costs to decide whether refinancing is worth it.Home Loan EligibilityFind out how much home loan you can get from your net monthly income, existing EMIs, FOIR, interest rate and tenure — with an optional LTV cap on the property value, your maximum affordable EMI and the binding constraint highlighted.Home Loan PrepaymentSee how much interest a home loan prepayment saves. Model a one-time lumpsum or extra monthly part-payment, compare reduce-tenure vs reduce-EMI, and get the new payoff month, revised EMI, total interest before and after, and net interest saved.
MortgageSoonHome-loan monthly payment with principal, interest, taxes and insurance.
House AffordabilityFind the maximum home price you can afford from your income, debts, down payment and rate — using the lender 28/36 DTI rule with full PITI accounting for taxes, insurance, HOA and PMI.ARM MortgageProject adjustable-rate mortgage payments through every rate phase. Enter the index, margin and caps to see your payment after each adjustment and a full schedule.Biweekly MortgageSee how biweekly mortgage payments cut years off your loan. Enter your balance, rate and term to get the payoff date and interest saved vs a monthly schedule.Interest-Only MortgageSee your interest-only payment, the higher principal-and-interest payment after the IO period ends, total interest, and a full two-phase schedule.Land LoanMonthly payment, total interest and total cost of a land or lot loan from the price, down payment, rate and term — with a full amortization schedule.MortgageCalculate your true monthly PITI mortgage payment: principal, interest, property taxes, homeowner's insurance and PMI, with a full payment breakdown.Mortgage CompareCompare two mortgage offers side by side — monthly payment, total interest and total cost for each — and see which loan saves more money over its term.Mortgage PayoffSee your full mortgage cost — PITI payment, amortization schedule, and how extra, lump-sum, or biweekly payments shorten your payoff and cut total interest.VA LoanEstimate your VA-backed mortgage payment, one-time VA funding fee, and cash due at closing — with no PMI.HELOCEstimate your available home equity line of credit, the interest-only payment during the draw period, and the fully-amortizing payment once repayment begins.FHA LoanEstimate your FHA loan payment — base loan, financed upfront mortgage insurance premium (UFMIP), monthly MIP by HUD's LTV/term table, and total monthly payment.Debt & Credit
Card PayoffSee how long it takes to pay off a credit card at a fixed monthly payment, or the payment needed to be debt-free by a target date — with total interest, total cost and a full month-by-month payoff schedule.DTI RatioWork out your front-end (housing) and back-end (total-debt) DTI ratios from gross monthly income, housing payment and other debts — the figure lenders check.
Personal & Student
Personal Loan EligibilityFind out how much personal loan you can get from your net monthly income, existing EMIs, FOIR, interest rate and tenure. See your maximum affordable EMI and the eligible loan amount, with a rate × tenure sensitivity table and a multiplier-method reference band.Student LoanMonthly payment, total interest and total cost for any student loan — federal or private — from the loan amount, interest rate and repayment term, with a full amortisation schedule.