Personal Loan EMI Calculator
Calculate your personal loan EMI and total cost with fees
Enter Loan Details
Fee Amount: ₹10.00 K
₹16.61 K
Per month for 3 years
₹5.00 L
Principal borrowed
₹97.86 K
@ 12% interest
₹6.08 L
Principal + Interest + Fee
Total Cost Breakdown
Principal vs Interest Over Time
Year-wise Repayment Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 | ₹5.00 L |
| 1 | ₹1.47 L | ₹52.08 K | ₹1.99 L | ₹3.53 L |
| 2 | ₹1.66 L | ₹33.41 K | ₹3.99 L | ₹1.87 L |
| 3 | ₹1.87 L | ₹12.37 K | ₹5.98 L | ₹7 |
About Personal Loan Calculator
A personal loan calculator helps estimate monthly EMI payments for unsecured loans. Personal loans are versatile - used for medical emergencies, weddings, education, debt consolidation, or any personal need without collateral.
Key factors: Interest rates vary (10-24%) based on credit score, income stability, and employment type. Higher credit scores get better rates.Hidden costs: Processing fees (1-3%), prepayment charges, and GST on fees add to the total cost. Compare APR (Annual Percentage Rate) across lenders, not just interest rates. Maintain good CIBIL score (750+) for best rates.