Free loan decision tools for India
Know the real cost of your loanbefore you sign.
Free, private loan calculators for India. Check the true cost and APR of a loan offer, decide whether to prepay, and see if a balance transfer is worth it. 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%
Real cost (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.
Already repaying a loan?
Find out if prepaying or switching lenders saves money.
How 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 true cost 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.