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Online Loan & EMI Calculators – Plan Your Monthly Payments Easily
Loan and repayment calculators help you understand your financial commitments before borrowing money. By using these calculators, you can estimate monthly EMIs, total repayment amounts, and loan affordability, making it easier to choose the right loan without financial stress.
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This covers all major loan and payment-related calculators that help in responsible borrowing and repayment planning.
EMI Calculator
An EMI calculator helps you calculate your Equated Monthly Instalment by entering the loan amount, interest rate, and tenure. It instantly shows:
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Monthly EMI
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Total interest payable
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Total amount to be repaid
This calculator is useful for all types of loans and helps you plan your monthly budget effectively.
Home Loan EMI Calculator
A home loan EMI calculator helps you estimate long-term monthly payments for housing loans. Since home loans usually have longer tenures, this calculator allows you to:
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Compare different loan tenures
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Understand interest burden over time
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Choose an EMI that fits your income
It is essential for planning a home purchase responsibly.
Personal Loan EMI Calculator
A personal loan calculator helps calculate EMIs for unsecured loans used for medical expenses, travel, weddings, or emergencies. It helps borrowers:
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Check affordability before applying
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Compare EMIs across tenures
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Avoid over-borrowing
Car Loan EMI Calculator
A car loan EMI calculator estimates monthly instalments for vehicle purchases. It allows you to adjust:
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Loan amount
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Interest rate
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Tenure
This helps you choose a repayment plan that fits your monthly cash flow.
Education Loan EMI Calculator
An education loan EMI calculator helps students and parents plan future repayments. It estimates EMIs after the repayment period begins and helps families prepare financially in advance.
Loan Repayment Calculator
A loan repayment calculator helps you understand the complete repayment journey of your loan. It shows:
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EMI structure over time
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Total interest paid
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Remaining loan balance
This calculator is useful for planning prepayments and reducing overall interest costs.
Loan Eligibility Calculator
A loan eligibility calculator helps you estimate the loan amount you may qualify for based on:
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Monthly income
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Existing EMIs
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Loan tenure
It helps you apply for loans within your repayment capacity.
EMI Affordability Calculator
An EMI affordability calculator helps you check how much EMI you can comfortably pay each month without disturbing essential expenses. It ensures that your debt remains manageable.
Salary Calculator
A salary calculator helps you understand your monthly take-home pay after deductions such as provident fund and professional charges. It is useful for planning EMIs based on your actual disposable income.
Monthly Budget Calculator
A monthly budget calculator helps track income and expenses to ensure EMIs fit comfortably into your lifestyle. It supports better money management and avoids missed payments.
Inflation Impact Calculator (Cost Planning)
An inflation impact calculator helps estimate how rising prices can affect future EMIs and living costs, especially for long-term loans like home loans.
Why Use Loan & EMI Calculators?
Using loan and EMI calculators helps you:
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Avoid financial over-commitment
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Choose affordable EMIs
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Understand the true cost of borrowing
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Plan repayments with confidence
They provide clarity and control over your loan decisions.
Final Thoughts
Loan and payment calculators are essential tools for smart borrowing. They help you evaluate EMIs, repayment timelines, and affordability before committing to any loan. Using these calculators ensures better financial discipline and long-term stability.
Always calculate first—borrow later.
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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10
+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.
+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.
Women
+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.
Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.
1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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