Weighing a loan against your other goals?
See how this EMI fits with your investments and protection before you commit.
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About this calculator
Choose a loan type, then set the amount, rate and tenure. See your EMI, the total interest you will pay and how the balance falls each year.
How is this calculated?
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the annual rate ÷ 12 (how banks quote loan rates) and n is the number of months.
Questions people ask
Does a longer tenure save money?
A longer tenure lowers the EMI but increases total interest, often substantially. Use “Shorten the loan by 5 years” below to see the difference.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.