What affects personal loan EMI?

Loan amount, interest rate, and tenure. Personal loan rates vary by lender and credit score. Use this calculator to see EMI for different amounts and tenures.

What is a typical personal loan term?

Personal loans are often 1–5 years. Shorter terms mean higher EMI but less total interest. Compare different tenures in this calculator.

Personal Loan Calculator

Free personal loan calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the Personal Loan Calculator below.

Calculate your personal loan EMI and total interest. See monthly payment and total cost. Free personal loan calculator for USA and international users.

Personal Loan Calculator कैसे इस्तेमाल करें

Enter loan amount
Input the personal loan amount you need.
Enter rate and tenure
Enter annual interest rate and loan term.
View results
See monthly EMI, total interest, and total repayment.

फीचर्स

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

इस कैलकुलेटर को क्यों इस्तेमाल करें

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

समर्थित ब्राउज़र और डिवाइस

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

अक्सर पूछे जाने वाले प्रश्न

Personal Loan Calculator की पूरी गाइड

What is a personal loan calculator?

A personal loan calculator estimates your monthly payment and total interest for an unsecured personal loan. Enter the loan amount, annual interest rate (APR), and tenure. Personal loans typically have higher rates than secured loans (e.g. home, auto) because there is no collateral. Use this tool to compare offers and see how different tenures affect your EMI.

When to use a personal loan

Debt consolidation: Combine high-interest credit cards into one lower-rate payment.
Large expenses: Home improvement, medical bills, or a wedding.
Emergency funding: When you need cash quickly and have a plan to repay.
Avoid using for discretionary spending; interest adds up fast.

How to get a better personal loan rate

Check and improve your credit score before applying.
Compare rates from multiple lenders (banks, credit unions, online lenders).
Choose a shorter term if you can afford a higher EMI.
Avoid unnecessary fees; some lenders charge origination or prepayment fees.

अस्वीकरण

हमारे वित्तीय कैलकुलेटर केवल सूचनात्मक और शैक्षिक उद्देश्य के लिए हैं। नतीजे आपके इनपुट और मानक फॉर्मूले पर आधारित अनुमान हैं। ये वित्तीय, कर या कानूनी सलाह नहीं। हम आपके नंबर स्टोर या शेयर नहीं करते।