Personal Loan EMI Calculator helps Salaried professionals and freelancers who need short notice funding size their loan needs with clarity before they apply.
Quickly compare monthly instalments, total interest, and the remaining balance for standard personal loans.
Use it to evaluate expenses such as medical costs, education fees, and living expenses before submitting any paperwork.
Every value change refreshes EMI, total interest, and payoff dates so you can validate affordability before submitting documents.
Running the numbers in Personal Loan EMI Calculator before applying ensures Decide the maximum EMI as a percentage of take home pay before applying..
Even for unplanned needs like medical costs, education fees, and living expenses, upfront EMI visibility means It keeps your monthly cash flow visible while you choose the right borrowing amount..
Quickly compare monthly instalments, total interest, and the remaining balance for standard personal loans.
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.
Displaying the first 12 months of your amortisation plan.
Month 1
₹ 4,727.98
Month 2
₹ 4,727.98
Month 3
₹ 4,727.98
Month 4
₹ 4,727.98
Month 5
₹ 4,727.98
Month 6
₹ 4,727.98
Month 7
₹ 4,727.98
Month 8
₹ 4,727.98
Month 9
₹ 4,727.98
Month 10
₹ 4,727.98
Month 11
₹ 4,727.98
Month 12
₹ 4,727.98
Figures are illustrative only and subject to credit approval. Not a loan offer.
Already calculated your EMI? Pick a loan and start your application today.
It keeps your monthly cash flow visible while you choose the right borrowing amount.
Personal Loan EMI Calculator follows the standard EMI equation, so the amount shifts whenever the principal, rate, or tenure changes.
EMI = [P × R × (1+R)^N] / [(1+R)^(N-1)]The EMI formula assumes compound interest and returns a flat monthly amount. Changing the principal (P), interest rate (R), or tenure (N) immediately shifts the EMI output.
Review practical scenarios to understand how different inputs change the outcome.
Short term loan covering rent and groceries
Dividing a semester fee into predictable payments
Rates vary by credit score and lending partner, so always confirm the official offer before signing.
For illustrative purposes only. Interest rates in examples are indicative starting points; your actual rate may differ based on credit profile and market conditions. All loans are subject to credit approval and verification. For final APR and detailed cost breakdown, please refer to the loan offer details provided during the application process in the app.
Keep these quick pointers in mind before you lock your EMI plan.
See how different borrowers configure their EMI plans.
Short term loan covering rent and groceries
Dividing a semester fee into predictable payments
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.