Loans & EMI

Loan & EMI Calculators for India: Home, Car, Personal & More

Know your EMI before you borrow. Free calculators for home, car, personal, education and gold loans, plus eligibility, prepayment, balance transfer and debt payoff, all using current Indian lending rates.

46free calculators

FY 2025-26India rules

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Loan and EMI calculators let you see the true cost of borrowing before you sign, so you pick the right loan and repay it efficiently. This hub gathers CalcWise’s free tools for every loan Indians take, home loans (including bank-specific SBI, HDFC, ICICI, Axis and Kotak versions), personal, car and two-wheeler loans, education and gold loans, and the EMI on any amount. Beyond the basic EMI, you can check your eligibility, model prepayment and foreclosure savings, compare loans and balance transfers, and plan your way out of multiple debts. Every calculator reflects current lending rates and reducing-balance EMI maths.

Home Loan

9 tools

Axis Bank Home Loan EMI Calculator

Calculate your axis bank home loan emi in seconds.

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Down Payment Calculator

Calculate your down payment in seconds.

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Home Affordability Calculator

Calculate your home affordability in seconds.

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Home Loan Eligibility Calculator

Calculate your home loan eligibility in seconds.

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Home Loan EMI Calculator

Calculate your home loan emi in seconds.

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Kotak Home Loan EMI Calculator

Calculate your kotak home loan emi in seconds.

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Mortgage Calculator

Calculate your mortgage in seconds.

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Reverse Mortgage Calculator

Calculate your reverse mortgage in seconds.

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SBI Home Loan EMI Calculator

Calculate your sbi home loan emi in seconds.

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Personal Loan

4 tools

HDFC Personal Loan EMI Calculator

Calculate your hdfc personal loan emi in seconds.

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Personal Loan Eligibility Calculator

Calculate your personal loan eligibility in seconds.

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Personal Loan EMI Calculator

Calculate your personal loan emi in seconds.

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SBI Personal Loan EMI Calculator

Calculate your sbi personal loan emi in seconds.

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Vehicle Loan

5 tools

Car Loan EMI Calculator

Calculate your car loan emi in seconds.

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EV Loan EMI Calculator

Calculate your ev loan emi in seconds.

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ICICI Car Loan EMI Calculator

Calculate your icici car loan emi in seconds.

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Two Wheeler Loan EMI Calculator

Calculate your two wheeler loan emi in seconds.

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Used Car Loan EMI Calculator

Calculate your used car loan emi in seconds.

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EMI & General

12 tools

Balloon EMI Calculator

Calculate your balloon emi in seconds.

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Business Loan EMI Calculator

Calculate your business loan emi in seconds.

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EMI Calculator

Calculate your emi in seconds.

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EMI Moratorium Calculator

Calculate your emi moratorium in seconds.

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Flat vs Reducing Rate EMI Calculator

Calculate your flat vs reducing rate emi in seconds.

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Loan Against FD Calculator

Calculate your loan against fd in seconds.

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Loan Against Property EMI Calculator

Calculate your loan against property emi in seconds.

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Loan Against Securities Calculator

Calculate your loan against securities in seconds.

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Loan Management

Plan your loan management quickly.

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Overdraft Interest Calculator

Calculate your overdraft interest in seconds.

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PLI Loan Surrender

Plan your pli loan surrender quickly.

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Top Up Loan EMI Calculator

Calculate your top up loan emi in seconds.

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Prepayment & Amortisation

4 tools

Advanced EMI Prepayment Calculator

Calculate your advanced emi prepayment in seconds.

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Loan Amortisation Schedule

Plan your loan amortisation schedule quickly.

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Loan Foreclosure Calculator

Calculate your loan foreclosure in seconds.

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Loan Prepayment Benefit Calculator

Calculate your loan prepayment benefit in seconds.

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Debt & Comparison

6 tools

BNPL Cost Calculator

Calculate your bnpl cost in seconds.

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Credit Score Impact Calculator

Calculate your credit score impact in seconds.

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Debt Consolidation Calculator

Calculate your debt consolidation in seconds.

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Debt To Income Ratio Calculator

Calculate your debt to income ratio in seconds.

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Loan Comparison Calculator

Calculate your loan comparison in seconds.

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Loan Debt Management Dashboard

Plan your loan debt management dashboard quickly.

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Credit Cards

4 tools

Credit Card Eligibility Calculator

Calculate your credit card eligibility in seconds.

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Credit Card EMI Calculator

Calculate your credit card emi in seconds.

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Credit Card Interest Calculator

Calculate your credit card interest in seconds.

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Credit Card Minimum Due Calculator

Calculate your credit card minimum due in seconds.

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Specialised Loans

2 tools

Education Loan EMI Calculator

Calculate your education loan emi in seconds.

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Gold Loan Calculator

Calculate your gold loan in seconds.

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Typical loan interest rates in India (2026)

Loan type	Typical rate	Tenure	Secured?
Home loan	8.5-10%	Up to 30 years	Yes (property)
Car loan	9-12%	Up to 7 years	Yes (vehicle)
Gold loan	9-15%	Up to 3 years	Yes (gold)
Personal loan	10-18%	Up to 7 years	No
Credit card	36-42%	Revolving	No

Frequently Asked Questions

How is EMI calculated?

EMI uses the reducing-balance formula: EMI = P x r x (1+r)^n / ((1+r)^n – 1), where P is the loan amount, r the monthly interest rate, and n the number of months. Early EMIs are mostly interest; later ones mostly principal. The EMI calculator does this instantly for any loan.

Should I prepay my loan or invest instead?

Prepaying gives a guaranteed return equal to your loan rate. For expensive debt (personal loans, credit cards above ~12-15%), prepay first. For a cheap home loan around 9%, investing may earn more over the long term, so many people do both. The Prepayment Benefit calculator shows your interest saved.

How much home loan am I eligible for?

Lenders typically allow an EMI of up to 40-50% of your net monthly income (your FOIR), and cap the loan at 75-90% of the property value (LTV). Your eligibility is the lower of the two. Use the Home Loan Eligibility calculator to estimate your limit.

Does prepaying a floating-rate loan have a penalty?

Under RBI rules effective from 1 January 2026, floating-rate loans to individuals carry zero prepayment or foreclosure penalty, with no lock-in. Fixed-rate loans may still charge a fee. The Foreclosure calculator factors this in.

What is the fastest way to clear multiple debts?

Pay the minimum on all debts and throw every spare rupee at one target: the highest-interest debt (avalanche, saves the most money) or the smallest balance (snowball, keeps you motivated). The Debt Payoff planner compares both and gives your debt-free date.

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All calculators on CalcWise.Finance are free, work on any device, and use Indian rules for FY 2025-26. Results are estimates for educational use, not financial advice; verify important figures and consult a SEBI-registered adviser for decisions. See our disclaimer.