Calculate the monthly repayment on any loan or mortgage, along with the total interest paid over the full term and a year-by-year breakdown of how the balance falls.
Getting started
Enter the amount you are borrowing, the annual interest rate and the term in years.
Read the monthly repayment, the total interest and the total amount repayable.
Review the yearly breakdown to see how the split between interest and principal shifts over time.
Why it helps
Shows total interest, not just the monthly figure — which is the number that actually reveals a loan's cost.
The yearly breakdown makes clear how little principal early payments repay.
Adjusting the term or rate updates everything instantly, making comparison straightforward.
In practice
Comparing mortgage offers with different rates and terms.
Checking whether a car finance monthly payment is affordable before committing.
Seeing how much interest a shorter term would save.
Everything people ask most about the loan & emi calculator, answered plainly.
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