Why choose the Debt Consolidation EMI Calculator?

It reduces mental load by replacing multiple due dates with one payment. It keeps each goal aligned with a monthly EMI that fits your current cash flow.

What details do I need before using the calculator?

Add the outstanding balances, average interest rate, and new tenure you prefer. Keeping digital copies of ID, income proof, and bank statements ready speeds up the verification later.

How does Debt Consolidation EMI Calculator calculate the EMI?

It follows the standard EMI formula using the principal, annual rate, and tenure you enter. Adjusting any of those values immediately updates the monthly payment, total interest, and outstanding balance.

Can I adjust the EMI plan after seeing the results?

Ensure the new EMI fits comfortably within your monthly budget so the consolidation actually simplifies your finances. Try shortening or extending the tenure inside the calculator until the EMI fits your upcoming expenses.

Which expenses can I plan for with this calculator?

It works for credit card payoff, short term loan settlement, and fee reduction and any other personal requirement within the allowed limit. Use it whenever you want to evaluate a new goal before applying.

How fast is approval once I finalise the EMI?

True Balance offers fast processing, subject to KYC completion and eligibility criteria. Set the EMI debit date just after payday so the first auto-debit succeeds smoothly.

Debt Consolidation EMI Calculator Online

Debt Consolidation EMI Calculator

Debt Consolidation EMI Calculator helps Borrowers juggling several EMI schedules or revolving credit size their loan needs with clarity before they apply.

Combine multiple card balances or personal loans into one predictable EMI.

Use it to evaluate expenses such as credit card payoff, short term loan settlement, and fee reduction before submitting any paperwork.

Compare current blended interest with the new EMI to evaluate potential monthly outflow reduction.

This calculator estimates EMI for a Personal Loan. The loan amount is disbursed to your bank account; it is not paid directly to existing lenders. You will need to close existing obligations separately.

What is the Debt Consolidation EMI Calculator?

Running the numbers in Debt Consolidation EMI Calculator before applying ensures Maintain a modest emergency fund even after consolidation so you do not return to high cost credit..

Even for unplanned needs like credit card payoff, short term loan settlement, and fee reduction, upfront EMI visibility means It reduces mental load by replacing multiple due dates with one payment..

Planning Tips for Debt Consolidation EMI Calculator

Keep these quick pointers in mind before you lock your EMI plan.

Real-time EMI output
Intuitive input controls
Detailed repayment schedule preview
Principal and interest shown separately
Existing loan comparison grid
Interest savings note
Align EMI dates with your payday to avoid missed auto-debits.
Keep at least one month of EMI in a separate savings buffer.
Review interest rates quarterly and refinance if you qualify for a lower one.
Increase tenure only when you need breathing room—total interest will rise.
Use part-prepayment whenever you receive bonuses or incentives.
Track debt-to-income ratio; staying under 35% keeps finances flexible.
Lock in auto reminders a few days before EMI to top up your account.
Simulate best- and worst-case cash flow before finalising the loan.
Prefer fixed-rate loans when market rates look volatile.
Avoid stacking multiple EMIs in the same billing cycle.

True Balance Debt Consolidation EMI Calculator

Combine multiple card balances or personal loans into one predictable EMI.

Loan Amount (₹)

Interest Rate (% per annum)

Loan Tenure (Months)

Results refresh automatically as you change any values above.

Indicative only, subject to credit approval. Actual loan terms, including APR, may differ based on your credit profile and lender policies.

Information entered is used for EMI estimation purposes.

True Balance EMI Calculation Results

Monthly EMI₹ 10,574.22

Total Amount Payable₹ 2,53,781.27

Total Interest₹ 53,781.27

Repayment Schedule

Displaying the first 12 months of your amortisation plan.

Month 1

₹ 10,574.22

Principal: ₹ 6,574.22
Interest: ₹ 4,000
Balance: ₹ 1,93,425.78

Month 2

₹ 10,574.22

Principal: ₹ 6,705.7
Interest: ₹ 3,868.52
Balance: ₹ 1,86,720.08

Month 3

₹ 10,574.22

Principal: ₹ 6,839.82
Interest: ₹ 3,734.4
Balance: ₹ 1,79,880.26

Month 4

₹ 10,574.22

Principal: ₹ 6,976.61
Interest: ₹ 3,597.61
Balance: ₹ 1,72,903.64

Month 5

₹ 10,574.22

Principal: ₹ 7,116.15
Interest: ₹ 3,458.07
Balance: ₹ 1,65,787.5

Month 6

₹ 10,574.22

Principal: ₹ 7,258.47
Interest: ₹ 3,315.75
Balance: ₹ 1,58,529.03

Month 7

₹ 10,574.22

Principal: ₹ 7,403.64
Interest: ₹ 3,170.58
Balance: ₹ 1,51,125.39

Month 8

₹ 10,574.22

Principal: ₹ 7,551.71
Interest: ₹ 3,022.51
Balance: ₹ 1,43,573.68

Month 9

₹ 10,574.22

Principal: ₹ 7,702.75
Interest: ₹ 2,871.47
Balance: ₹ 1,35,870.93

Month 10

₹ 10,574.22

Principal: ₹ 7,856.8
Interest: ₹ 2,717.42
Balance: ₹ 1,28,014.13

Month 11

₹ 10,574.22

Principal: ₹ 8,013.94
Interest: ₹ 2,560.28
Balance: ₹ 1,20,000.19

Month 12

₹ 10,574.22

Principal: ₹ 8,174.22
Interest: ₹ 2,400
Balance: ₹ 1,11,825.98

Month	Principal	Interest	Installment	Balance
Month 1	₹ 6,574.22	₹ 4,000	₹ 10,574.22	₹ 1,93,425.78
Month 2	₹ 6,705.7	₹ 3,868.52	₹ 10,574.22	₹ 1,86,720.08
Month 3	₹ 6,839.82	₹ 3,734.4	₹ 10,574.22	₹ 1,79,880.26
Month 4	₹ 6,976.61	₹ 3,597.61	₹ 10,574.22	₹ 1,72,903.64
Month 5	₹ 7,116.15	₹ 3,458.07	₹ 10,574.22	₹ 1,65,787.5
Month 6	₹ 7,258.47	₹ 3,315.75	₹ 10,574.22	₹ 1,58,529.03
Month 7	₹ 7,403.64	₹ 3,170.58	₹ 10,574.22	₹ 1,51,125.39
Month 8	₹ 7,551.71	₹ 3,022.51	₹ 10,574.22	₹ 1,43,573.68
Month 9	₹ 7,702.75	₹ 2,871.47	₹ 10,574.22	₹ 1,35,870.93
Month 10	₹ 7,856.8	₹ 2,717.42	₹ 10,574.22	₹ 1,28,014.13
Month 11	₹ 8,013.94	₹ 2,560.28	₹ 10,574.22	₹ 1,20,000.19
Month 12	₹ 8,174.22	₹ 2,400	₹ 10,574.22	₹ 1,11,825.98

Figures are illustrative only and subject to credit approval. Not a loan offer.

Explore True Balance loan products

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Personal Loan

Flexible unsecured credit with quick processing and predictable EMI.

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Quick Loan

Compact ticket sizes to bridge short-term cash gaps conveniently.

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True Balance Debt Consolidation EMI Calculator FAQs

Ready to optimise your Debt Consolidation EMI Calculator?

Adjust your EMI until it fits your budget, then check your eligibility in the True Balance app.

Disclaimer: Results are illustrative only. Images on this page are generated with the help of AI for illustrative purposes. Loans facilitated by True Credits Pvt Ltd & other RBI-registered partners. Subject to credit approval.