Free loan decision tools for India
Know the real cost of your loanbefore you sign.
Free, private loan calculators for India. Find a loan's actual interest rate after processing fee and GST, check no cost EMI charges and plan a prepayment. Nothing you enter leaves your device.
- No sign-up
- Nothing leaves your device
- Formulas published
₹5,00,000 at 14% for 3 years, with a 2% processing fee + GST
Rate on the offer
14.0%
Actual interest rate (APR)
15.69%
- Fees & GST taken upfront
- ₹11,800
- Money you actually receive
- ₹4,88,200
- Total cost of borrowing
- ₹1,26,997
Calculators for real loan decisions
Pick the one that matches where you are.
Have a loan offer?
Check what it really costs before you sign.
Actual Interest Rate & APR Checker
The rate on your offer isn't what you really pay. Add the processing fee, GST and other charges to see the actual interest rate (APR) and the total cost.
Open calculatorCredit Card & No-Cost EMI Calculator
See what a card EMI — even a “no cost” one — really costs after GST on interest and fees.
Open calculatorAlready repaying a loan?
Find out if prepaying, closing or switching lenders saves money.
Loan Prepayment Calculator
Find out how much a part payment saves on your home or personal loan, and whether to cut your EMI or your tenure.
Open calculatorBalance Transfer Calculator
See whether transferring your home loan (or any loan) to a lower rate still saves money after switching costs.
Open calculatorLoan Foreclosure Calculator
Find out how much it takes to close your loan today, what the foreclosure charge and GST add, and how much interest you avoid.
Open calculatorPlanning to borrow?
Work out an EMI you can live with.
EMI Calculator
Work out your monthly EMI, total interest and full month-by-month amortization schedule for any loan.
Open calculatorLoan Affordability Calculator
Estimate how much EMI fits your budget after rent, expenses and savings, and the home or personal loan it supports.
Open calculatorFOIR Calculator
See how much of your income already goes to EMIs, what a new loan would do to it, and how much more EMI fits a FOIR limit you choose.
Open calculatorHow it works
- 1
Enter the numbers from your offer or loan
Amount, rate, tenure and every fee — straight from your KFS or loan statement.
- 2
See the real cost, explained
APR, total cost and a plain-English line on what it means for you.
- 3
Decide with confidence
Compare offers, test a prepayment or a switch, then talk to your lender.
Why you can trust these numbers
Private by design
Every calculation runs in your browser. We never see, store or share the numbers you enter.
RBI-aligned APR method
Our actual interest rate checker uses the IRR method from RBI's Key Facts Statement circular — and reproduces its 17.07% worked example.
Formulas in the open
Every tool has a methodology page with formulas, assumptions, limitations and sources.
Not a lender
We don't take applications, collect documents or rank lenders “for you”. Results are educational estimates.