Loan Calculator: EMI, Mortgage

Loan Calculator: EMI, Mortgage works out your monthly payment, total interest and payoff date as you type. See every payment in an amortization schedule, find out how much extra payments save, and compare loan offers side by side. It works for home loans, car loans, personal loans, student loans and business loans, in any currency.

🧮 LOAN & EMI CALCULATOR
• Monthly payment (EMI), total interest, total cost and payoff date, updated live
• Work out the payment, the loan amount you can borrow, the term or the interest rate
• Monthly, fortnightly or weekly repayments
• Interest rate per year or per month, term in years or months
• Reducing balance, flat rate and interest-only loans
• Processing fee and the real rate you actually pay
• Balloon or residual payment at the end, for car finance
• Choose the date of your first repayment

📅 AMORTIZATION SCHEDULE
• Every payment split into principal and interest, with the balance left
• View by month or by year
• A chart of the balance left and the interest paid over time
• Share the schedule as a CSV file for Excel or Google Sheets

💸 EXTRA PAYMENTS & PREPAYMENT
• Add an extra amount with every payment, a one-time lump sum, or both
• See how much interest you save and how many years sooner you finish
• Choose to finish sooner or lower your repayment

🏠 MORTGAGE CALCULATOR
• Home price and down payment
• Property tax, home insurance, PMI and HOA fees
• Your true total each month, not just principal and interest
• Semi-annual compounding for Canadian mortgages

⚖️ COMPARE LOANS
• Compare two or three loan offers side by side
• Monthly payment, total interest, total cost and real rate for each
• The cheapest offer is highlighted, with how much more the others cost

📁 SAVE YOUR LOANS
• Save your home mortgage, car loan, personal loan and more
• Open any saved loan with one tap

🌍 MADE FOR EVERY COUNTRY
• Your currency is picked automatically, or choose from about 150
• Number styles like 1,234,567.89, 1.234.567,89, 1 234 567,89 and lakh/crore 12,34,567.89
• 11 languages: English, Spanish, Portuguese, French, German, Turkish, Indonesian, Vietnamese, Hindi, Bengali and Arabic
• Islamic finance wording that says "profit" instead of "interest"
• Light and dark theme

✨ SIMPLE AND PRIVATE
• No sign-up and no account
• The loans you enter stay on your phone

Results are estimates to help you plan. Lenders may round or charge differently, so always check the final offer from your lender.

Questions or ideas? Write to [email protected]