Loan Calculators 2026
Use free Loan Calculators from WealthReturns to calculate loan EMI, estimate interest costs, understand the impact of a loan moratorium, calculate home loan prepayment savings and compare the long-term financial impact of renting versus buying.
These online loan calculators are designed for Indian borrowers who want to understand monthly payments, interest costs, repayment periods and important home-loan decisions before making financial commitments.
Loan Calculators
Loan EMI Calculator
Calculate monthly EMI, principal repayment, total interest and total payable amount by entering the loan amount, interest rate and tenure.
Calculate Loan EMIMoratorium Interest Calculator
Estimate how a loan payment moratorium can affect interest, outstanding balance, revised EMI and total repayment cost.
Calculate Moratorium InterestHome Loan Prepayment Calculator
Estimate how a lump-sum or partial home loan prepayment can affect total interest payable, EMI and remaining loan tenure.
Calculate Prepayment SavingsRent vs Buy Calculator
Compare the long-term financial impact of renting a property versus buying a home using relevant financial assumptions.
Compare Rent vs BuyExplore Loan Calculators by Category
| Loan Planning Need | Calculator | What You Can Estimate |
|---|---|---|
| EMI & Loan Repayment | Loan EMI Calculator | Monthly EMI, principal, interest and total payable amount |
| Loan Moratorium | Moratorium Interest Calculator | Interest accrued, revised balance, EMI and additional cost |
| Home Loan Prepayment | Home Loan Prepayment Calculator | Interest savings, revised EMI and tenure reduction |
| Home Purchase Decision | Rent vs Buy Calculator | Long-term financial comparison between renting and buying |
Loan EMI Calculator
Calculate Your Monthly Loan EMI
The Loan EMI Calculator helps you estimate the monthly instalment payable on a loan. You can enter the loan amount, annual interest rate and repayment tenure to calculate the estimated EMI.
The calculator also shows the principal amount, total interest and total amount payable over the selected loan period. This can help borrowers understand the overall cost of borrowing before taking a loan.
Open Loan EMI CalculatorMoratorium Interest Calculator
A loan moratorium allows borrowers to defer payments for a specified period, but deferred payments do not necessarily mean that interest stops accruing. The Moratorium Interest Calculator helps estimate the financial impact of such a deferral.
It can estimate interest accumulated during the moratorium, the revised outstanding balance, revised EMI, revised tenure and the additional cost associated with the moratorium.
Open Moratorium Interest CalculatorHome Loan Prepayment Calculator
Making a partial or lump-sum prepayment on a home loan can change the remaining interest cost and repayment period. The Home Loan Prepayment Calculator helps estimate these changes using the outstanding loan amount, interest rate, remaining tenure and prepayment amount.
You can use the calculator to estimate the interest saved and the potential reduction in loan tenure after making a prepayment.
Open Home Loan Prepayment CalculatorRent vs Buy Calculator
Buying a home involves several costs, including the home loan EMI, interest, property-related expenses and the initial amount required for purchase. Renting, on the other hand, involves regular rent payments and potentially different investment opportunities for the money that would otherwise be used for a home purchase.
The Rent vs Buy Calculator helps compare these two options using financial assumptions and can provide a useful starting point for evaluating a home purchase decision.
Open Rent vs Buy CalculatorWhat Can Loan Calculators Help You Calculate?
- Monthly loan EMI
- Total interest payable over the loan tenure
- Total loan repayment amount
- Impact of a loan payment moratorium
- Interest accumulated during a moratorium
- Potential interest savings from home loan prepayment
- Potential reduction in home loan tenure
- Financial comparison between renting and buying a property
Why Use WealthReturns Loan Calculators?
- Free online loan calculation tools
- Simple inputs and easy-to-understand results
- Useful for home loans, personal financial planning and repayment analysis
- Helps understand EMI and total interest costs
- Useful for evaluating loan prepayment decisions
- Helps analyse the financial effect of a loan moratorium
- Responsive on mobile, tablet and desktop devices
Loan EMI vs Home Loan Prepayment
| Feature | Loan EMI Calculator | Home Loan Prepayment Calculator |
|---|---|---|
| Primary Purpose | Calculate regular loan repayment | Estimate the effect of an additional payment |
| Main Inputs | Loan amount, interest rate and tenure | Outstanding loan, interest rate, tenure and prepayment amount |
| Key Result | Monthly EMI and total interest | Interest savings and tenure reduction |
| Useful For | Planning a new loan or understanding existing EMI | Evaluating a partial or lump-sum loan prepayment |
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All Salary CalculatorsFrequently Asked Questions
A loan EMI calculator is an online tool that estimates the monthly instalment payable on a loan using the loan amount, interest rate and repayment tenure.
You can use the WealthReturns Loan EMI Calculator by entering your home loan amount, applicable interest rate and repayment tenure. The calculator estimates the monthly EMI and total interest.
A payment moratorium generally defers loan payments rather than automatically eliminating interest. The actual impact depends on the lender's terms and the method used to treat the accrued interest.
Enter the outstanding loan amount, interest rate, remaining tenure and proposed prepayment amount in the Home Loan Prepayment Calculator to estimate potential interest savings and tenure reduction.
The Rent vs Buy Calculator helps compare the financial implications of renting a property with purchasing a home using the relevant financial assumptions.
No. Calculator results are estimates. Actual figures can differ because of lender-specific interest rates, processing fees, insurance, taxes, prepayment terms, rounding methods and other charges or conditions.
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