Loans & Debt Suite
Analyze Mortgages & Repayment Schedules
Calculate EMI rates, evaluate borrowing limits, and optimize prepayment interest savings.
Taking on a loan is a long-term commitment. Our loan calculators let you examine amortization timelines, test how extra prepayments reduce interest burdens and tenure lengths, and analyze your debt-to-income ratio (FOIR) to find your maximum borrowing eligibility. Empower yourself to negotiate with banks and save lakhs in lifetime interest costs.
Available Tools (6)
EMI Calculator
Loan amortization & prepayment optimizer.
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Loan Eligibility
Determine maximum loan principal based on monthly FOIR bounds.
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Home Loan EMI
Calculate Home Loan EMI and prepayment options.
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Car Loan EMI
Calculate Car/Auto Loan EMI payments.
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Personal Loan EMI
Calculate Personal Loan monthly EMI payments.
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Business Loan EMI
Calculate Commercial & Business Loan EMI options.
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Category FAQs & Guidelines
How does loan prepayment work?
Loan prepayment is when you pay extra money towards your principal loan balance. By lowering the outstanding principal directly, you permanently reduce the compounding interest computed on your loan, cutting months or years off your tenure.
What is loan eligibility based on?
Banks determine loan eligibility using your gross income, monthly obligations, credit score, and FOIR (Fixed Obligation to Income Ratio). Typically, your total monthly EMIs should not exceed 40% to 50% of your net monthly earnings.
Should I choose a floating or fixed interest rate?
Fixed interest rates remain constant throughout the tenure, offering predictable payments. Floating rates fluctuate based on RBI repo rates. Floating rates are usually cheaper initially but carry interest rate risk.
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