How this calculation works
Compare the EMI and total cost of an unsecured personal loan including a processing fee. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.
Worked example
A ₹5 lakh personal loan at 14% for 36 months shows the EMI, total repayment and interest plus fee.
Assumptions and limits
- Inputs use the units shown beside each field.
- Intermediate values retain precision; displayed values are rounded for readability.
Questions people ask
How does the Personal Loan Calculator work?
It applies this displayed method: Repayment uses the selected reducing-balance or flat-rate method; the processing fee is added to total borrowing cost but not financed. Values stay in your browser and are not submitted to a server.
What should I check before using the Personal loan result?
Inputs use the units shown beside each field. Intermediate values retain precision; displayed values are rounded for readability. This is an estimate, not a lender quote. Rates, fees, rounding and repayment rules vary by agreement.
Does this Personal loan calculator save my information?
No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.