Loans
Work out your monthly EMI on an unsecured personal loan — and the part most calculators hide: how processing fees and GST shrink what actually reaches your account and push up the real cost of the loan. Private: it all runs on your device.
Monthly EMI
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Total interest
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Total repayment iLoan principal plus total interest — the sum of all your EMIs.
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Amount credited to you iThe loan minus upfront fees deducted at disbursal — what actually reaches your account, though you still repay EMIs on the full loan.
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Upfront charges iProcessing fee + GST + any other upfront charges.
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Total cost of borrowing iEverything the loan costs you beyond the principal: total interest plus all upfront charges.
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Effective interest cost iThe real annual cost once fees are included (the internal rate that equates the amount you receive to your EMIs). With zero fees this equals the stated rate; fees push it higher.
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incl. fees
Loan completion
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Outstanding balance iHow your loan balance falls over time. Hover or tap for a month.
Model paying a lump sum early and see the interest you'd save, net of any foreclosure charge.
Without prepayment
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With prepayment
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A rough guide only — not an eligibility or approval decision.
Because fees are deducted upfront, you receive less than the sanctioned loan but still repay EMIs on the full amount. Spreading that gap over your repayments raises the true annual cost above the headline rate.
On a reducing balance: each month interest is charged only on the outstanding principal, and the rest of your EMI reduces the principal. Early EMIs are mostly interest; later ones mostly principal.
Often yes, since personal loans carry high rates — but check the foreclosure charge. Use the section above to compare the interest saved against the charge.
No. Every calculation runs in your browser — nothing is stored, transmitted, or shared.
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