Personal Loan EMI Calculator
Find the EMI and total cost of a personal loan before you apply, so there are no surprises.
About this calculator
Personal loans are unsecured, so rates are higher (usually 11–24%) and tenures shorter (1–7 years). This calculator shows the true cost of borrowing.
Compare the EMI against your monthly budget to avoid over-borrowing.
All calculations happen in your browser — your numbers are never sent anywhere. Results are estimates for guidance only, not financial advice.
Frequently asked questions
Why are personal loan rates high?
They are unsecured — no collateral backs them — so lenders price in more risk.
Can I prepay a personal loan?
Usually yes, though some lenders charge a small foreclosure fee. Prepaying saves interest.
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