Verified Financial Engine

Personal Loan EMI Calculator - Calculate Monthly Payment

Free personal loan EMI calculator to calculate monthly payments, total interest, and compare offers from different lenders.

Enter amount ₹5.0K - ₹5.0 Crore
Enter rate between 1% - 36%
1 - 84 months
Select month

Calculation Summary

Monthly EMI ₹0
Total Interest ₹0
Total Payment ₹0
Interest to Principal 0%
Payoff Date -

Visualizations

Payment Breakdown

Balance Over Time

Monthly Breakdown

Cumulative View

Credit Arbitrage

Loan Against Mutual Funds (LAMF) vs Personal Loan Engine

Zero Foreclosure Penalty • Avoid 12.5% LTCG Tax

Instead of taking a high-cost unsecured Personal Loan (12%–16%) or liquidating your compounding Mutual Funds, pledge your portfolio as collateral. With LAMF Overdraft (9.0%–10.5%), you only pay monthly interest on utilized funds while your portfolio stays invested and compounding.

Monthly Outflow Spread:
PL EMI: ₹11,740
LAMF Int: ₹4,063
Borrowing Cost Saved:
₹41,250
Lower rate + zero high fees
LTCG Tax Avoided (Sec 112A):
₹25,000
12.5% tax on capital gains
Total Net Wealth Edge:
₹2,68,464
Preserved compounding + savings
Portfolio Requirement: You need an active mutual fund portfolio of at least ₹10,00,000 to pledge for this loan.
Unlike personal loans with 3%–5% pre-closure lock-ins, LAMF has 0% prepayment penalty, allowing you to close or reduce debt anytime without friction.

Amortization Schedule


About Personal Loan EMI Calculator

About This Calculator

Our Personal Loan EMI Calculator is a free online tool that helps you calculate and plan your finances. Simply enter the required values and get instant results with detailed breakdowns and visual charts.

Use this calculator to make informed financial decisions and plan your budget effectively.

Frequently Asked Questions

How do I use the Personal Loan EMI Calculator?

Simply enter the required values in the input fields and click Calculate. The results will be displayed instantly with visual charts and detailed schedules.

Is the Personal Loan EMI Calculator free to use?

Yes, all our calculators are completely free to use. No registration or payment required.

Are the calculations accurate?

Our calculators use standard formulas and provide accurate results. However, actual results may vary slightly based on specific lender terms.

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