Loan calculators that show what banks don't

EMIs for every kind of loan in India, plus what most calculators skip: how much a prepayment really saves, what a repo-rate change does to your EMI, the true cost of fees, and when you'll be debt-free.

Home loan EMI Track my loans

Pick your loan

Home Loan Long tenure, floating rates, tax benefits. Small rate moves change the total cost a lot. ₹50 L at 8.5% for 20 yrs: ₹43,391/month Car Loan Often quoted as a flat rate at the dealership. Convert it before you compare. ₹8 L at 9.5% for 5 yrs: ₹16,801/month Two-Wheeler Small amounts, short tenures and frequent flat-rate quotes. ₹1.2 L at 12% for 2 yrs: ₹5,649/month Personal Loan Unsecured and expensive. Fees, foreclosure charges and tenure matter. ₹5 L at 13% for 3 yrs: ₹16,847/month Education Loan Interest builds up during study. Paying it early saves a lot. ₹15 L at 10% for 10 yrs: ₹19,823/month Gold Loan Fast and secured, usually short tenures with EMI or bullet repayment. ₹2 L at 9.5% for 1 yr: ₹17,537/month Loan Against Property Cheaper than a personal loan, but your property is at stake. ₹30 L at 10% for 12 yrs: ₹35,852/month Business Loan Working capital or expansion. Compare total cost, not only the rate. ₹10 L at 15% for 3 yrs: ₹34,665/month

RBI repo rate: 5.50%

The RBI raised it by 0.25% from 5.25% on 7 October 2026. If your home, education or other floating loan is repo-linked (EBLR), your rate changes by the same amount at your next reset, usually within three months.

See the effect on your EMI

More than an EMI number

Prepayment planner

One-time, recurring or a yearly EMI increase. See reduce-tenure and reduce-EMI side by side, and what waiting five years costs you.

Repo-rate impact

Test any rate change on a floating loan: a longer tenure or a higher EMI, and the rate at which your EMI stops covering interest.

Goals

Pick a debt-free date and get the extra EMI, upfront or yearly payment it takes. Compare prepaying with investing.

Compare offers

Up to three quotes, flat or reducing, with fees. Get the true rate and the cheapest offer in one view.

My Loans tracker

Your real loans: balance today, next EMI, interest by financial year and calendar reminders. Stays on your device.

Share and install

Send a plan on WhatsApp, print it as a PDF, and add LoanSense to your home screen. Works offline.

Questions

Is LoanSense free?

Yes. Every calculator and the My Loans tracker are free, with no sign-up.

Where is my data stored?

Only on your device, in your browser. Calculator inputs are kept for 30 days after your last change. Loans you add to My Loans stay until you delete them, and you can export a backup file. Nothing is sent to a server.

How accurate are the calculations?

LoanSense uses the standard reducing-balance EMI formula Indian lenders use, with interest calculated monthly on the outstanding balance. The engine is checked against published EMI values and an independent reference calculation. Your lender's figures can differ by small amounts because of rounding, day-count conventions and broken-period interest in the first month.

Can I use it offline or install it?

Yes. After your first visit LoanSense works offline, and you can add it to your phone's home screen like an app.