Loan & EMI Calculator Mortgage, Auto, Personal
Calculate monthly payments, total interest and a full amortization schedule. Fast, best in class experience. Lifetime free, unlimited, and privacy first (100% on device).
Calculation Results
Monthly Payment (EMI): $0.00
Total Interest Paid: $0.00
Total Payments: $0.00
Amortization Schedule
| Month | Principal | Interest | Balance |
|---|
Fast, Free, Private Loan Calculator
See your monthly payment (EMI), total interest, and full amortization schedule for home mortgages, auto loans, and personal loans. Top speed, lifetime free and unlimited. Your information is 100% confidential and secure everything runs locally in your browser.
Why people love this loan calculator
Accurate EMI & amortization
Get monthly payment, principal vs interest split, and a month by month balance schedule.
Privacy first
No signups, no tracking. Calculations run 100% on your device nothing is uploaded.
Free & unlimited
Use it forever with no paywalls, limits, or watermarks. Built for everyday planning.
Works worldwide
Supports terms like EMI (India), APR (USA), home loan (UK/AU), and car finance (UK). Perfect for global users.
Clear comparisons
Adjust amount, interest rate, and tenure (years or months) to compare scenarios in seconds.
Mobile friendly
Optimized for Chrome, Edge, Firefox, and Safari on desktop and mobile.
Popular uses worldwide
Home mortgage planning
Estimate mortgage repayments and total interest (USA, UK, Canada, Australia, EU).
Car payments & car finance
Plan auto loans (US) or car finance (UK) and see how different rates change monthly costs.
Personal loans & debt consolidation
Compare offers, interest costs, and payoff timelines before you borrow.
Home improvement
Budget renovations by estimating monthly repayments and total interest.
Student or education loans
Understand long term costs and plan realistic monthly budgets.
Small business term loans
Model fixed rate repayments for equipment, inventory, or expansion.
Note: Results show principal and interest only; taxes, insurance, fees, or government charges are not included.
How to calculate your payment
- Enter your loan amount (principal).
- Add your annual interest rate (APR/interest rate).
- Choose loan tenure in years or months.
- View monthly payment (EMI), total interest, and amortization schedule.
Global availability (GEO)
Built for users in the USA, UK, Canada, Australia, India and across the EU (Germany, France, Spain, Italy, Netherlands), the Middle East (UAE, Saudi Arabia), Asia (Singapore, Malaysia, Philippines, Indonesia, Japan, South Korea), Africa (Nigeria, South Africa, Egypt), and Latin America (Brazil, Mexico, Argentina). Whether you call it EMI, mortgage repayment, home loan, auto loan or car finance this calculator works worldwide.
Frequently Asked Questions
What is an EMI and how is it calculated?
EMI (Equated Monthly Installment) = P × r × (1+r)n / [(1+r)n − 1], where P is principal, r is monthly rate (annual/12), and n is months.
Does it include taxes/insurance/fees?
No results show principal and interest only. Add taxes, insurance, PMI/HOA, or fees separately if needed.
Can I use it worldwide?
Yes. It supports fixed rate loans globally and aligns with terms like EMI (India), APR (US), and home loan (UK/AU).
Is my data private and secure?
Yes everything is calculated in your browser. Your information never leaves your device.
Interest rate vs APR?
The interest rate covers borrowing the principal. APR includes certain fees and helps compare loan offers.
What about extra payments?
This version models fixed payments. To model extra payments, reduce the principal and recalc, or contact us to add an extra payment feature.
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