EMI Calculator

Finsikho Financial Toolkit

Calculate EMI, charges, prepayment savings, eligibility and SIP growth.

Choose your loan

Buying Price ₹ Down Payment ₹ Loan Amount ₹ Loan Amount ₹ Interest Rate % p.a. Tenure (months)

Loan Cost Builder

Enter actual charges from the lender/KFS. Defaults are illustrative and editable.

Processing Fee Fee Type GST on Processing Fee % Documentation Charges ₹ GST on Documentation ₹ Loan Insurance Premium ₹ Other Charges ₹ Finance additional charges into the loan

Your monthly EMI ₹0

Loan Amount₹0

Financed₹0

Rate0%

Tenure0 months

Total Interest₹0

Total Charges₹0

Total Payment ₹0

Month #	Principal	Interest	Total Monthly Payment	Outstanding Balance	Loan Paid To Date (%)

Indicative Loan Eligibility

Educational estimate only; lender underwriting and FOIR rules differ.

CIBIL Score Monthly Income ₹ Existing EMI ₹ Other Obligations ₹ Residence Housing Cost ₹ Employment Vintage Proposed Loan ₹ Proposed EMI ₹

Indicative Score

0 Needs review

Prepayment Planner

Current Outstanding ₹ Current EMI ₹ Interest Rate % p.a. Remaining Tenure (months) Prepayment Amount ₹ Prepay After (months) Prepayment Charge %

Outstanding After Prepayment ₹0

Reduce EMI₹0

EMI Interest Saved₹0

Reduce Tenure0 months

Tenure Interest Saved₹0

Prepayment Charge₹0

SIP Calculator

Monthly SIP ₹ Initial Investment ₹ Expected Return % p.a. Duration (years) Annual Step-up %

Estimated Corpus ₹0

Total Invested₹0

Estimated Gain₹0

Extra Money: Prepay vs SIP

Loan details come from the EMI Calculator. Change the EMI section once, then enter the extra amount here.

Extra Monthly Amount ₹ Lump Sum Today ₹ SIP Return % p.a.

Loan Closes In 0 months

Baseline Payoff0 months

With Extra Money0 months

Time Saved0 months

Interest Saved₹0

Potential SIP Corpus₹0

SIP Estimated Gain₹0

SIP return changes only the SIP corpus. Loan closure changes only when extra monthly amount or lump sum changes.

Important: Finsikho calculations are educational/indicative. Actual fees, GST, insurance, prepayment charges, EMI and eligibility depend on lender/product, KFS/agreement, applicant profile and applicable rules.