Loans & Mortgage Calculators
18 toolsRepayments, EMIs and amortisation schedules.
Loans
EMIEquated monthly instalment, total interest and total cost for home, car and personal loans, with a full amortisation schedule and principal-vs-interest breakdown.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.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.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.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.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.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.
LoanSoonMonthly payment and total cost for any personal, auto or student loan.
MortgageSoonHome-loan monthly payment with principal, interest, taxes and insurance.
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.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 PayoffSee your full mortgage cost — PITI payment, amortization schedule, and how extra, lump-sum, or biweekly payments shorten your payoff and cut total interest.Property
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.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.