Loan Calculators

Free to use, no sign-up needed. Every result is an estimate — your actual rate and offer depend on the lender.

Before You Apply

EMI Calculator

Work out the monthly instalment for any loan amount, rate and tenure.

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Home Loan EMI Calculator

The same EMI maths, scoped to typical home loan amounts and tenures.

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Loan Against Property EMI Calculator

The same EMI maths, scoped to typical loan-against-property amounts and tenures.

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Business Loan Calculator

The same EMI maths, scoped to typical business loan amounts and tenures.

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Eligibility & Affordability Calculator

A rough idea of how large a loan you could likely afford, based on your income and what you already pay each month.

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FOIR / Debt-to-Income Calculator

What share of your income is already spoken for — the number most lenders check first.

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Net Disbursal & Fees Calculator

What actually lands in your account once the processing fee is taken out.

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APR Calculator

The true yearly cost of a loan once the processing fee is folded in — usually higher than the interest rate alone.

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Managing A Loan

Prepayment Savings Calculator

See how much interest a one-time lump-sum payment could save you.

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Balance Transfer Savings Calculator

Whether moving your remaining loan to a new lender at a lower rate is actually worth it.

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Flat vs Reducing Rate Calculator

A "flat rate" loan almost always costs more than the same number suggests — see the real difference.

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Tax & Credit Health

Credit Utilisation Calculator

How much of your available credit card limit you're using — a number credit bureaus watch closely.

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Home Loan Tax Benefit Calculator

A rough estimate of the tax saved on a home loan's interest and principal — old tax regime only.

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Hi there! 👋 Hi! Ask me anything about our loans — I will answer from what our team has taught me.
BankLoanKart Assistant
Hi there! 👋 Hi! Ask me anything about our loans — I will answer from what our team has taught me.