Loan calculators.
Simple, exact and free. Every result downloads as Excel (CSV) or PDF.
For borrowers.
EMI calculatorYour monthly EMI, the total interest and the full repayment schedule, for any home, car or personal loan.Prepayment calculatorPut a lump sum into your loan and see what it saves: fewer years, or a smaller EMI.Balance transfer calculatorThe real saving from moving your loan to a cheaper lender, after every switching cost.Rate change calculatorWhen your rate moves, see your new EMI, or how many months your loan grows or shrinks.Compare loan offersUp to three offers, ranked by what they really cost, with fees and charges included.Flat vs real rateCar and consumer loans are often quoted at a flat rate. See the real reducing rate you are paying.How much can you borrow?From your take-home pay and the EMIs you already pay, or from the EMI you can afford.Is no-cost EMI free?The real cost of a no-cost EMI, once you count the discount you give up, the fee and GST.Home loan overdraft saverKeep your savings in the loan account, pay interest only on the rest, and see what it saves.
For businesses.
Cash credit: the true costInterest, unused-limit charges and renewal fees on your working capital limit, in one yearly figure.DSCR checkCan the business comfortably repay its term loans? Debt service coverage for one year.Drawing powerHow much of your working capital limit your stock and debtors actually support.
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