Loan calculators

Start with what a loan costs each month, then check how much you can borrow and whether refinancing, points or a balance transfer pays off.

1. Loan EMI calculator

   The monthly payment, total interest and a payment schedule.

2. Loan eligibility

   How much a bank may lend from your income and existing EMIs.

3. Refinance break-even

   How many months until a new rate pays back the closing costs.

4. HELOC payment

   Payments during the draw period and after it ends.

5. Mortgage points

   Whether buying points beats keeping the cash.

6. Snowball vs avalanche

   Two payoff orders compared by interest and time.

7. Balance transfer

   Whether the fee is worth the promo rate.

8. Credit card EMI

   Card purchase EMIs with the interest, fee and 18% GST.

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