# EMI Calculator > Free reducing-balance EMI calculators for home, car, personal, education, and credit card loans, plus prepayment, eligibility, compare, balance transfer, bank rate bands, and India home-loan tax benefit estimates. Site: https://emicalculator.app/ Author: Anchal Katyal (KASP Digital) Primary method: monthly reducing-balance EMI used by most banks Not financial advice: confirm figures with your lender and advisor Last updated: 2026-10-07 ## About emicalculator.app is an independent educational EMI and loan-planning site operated by KASP Digital. It publishes free calculators and guides that use the standard monthly reducing-balance formula. It is not a lender, broker, bank, NBFC, or regulated financial adviser. Methodology, testing notes, and publisher details: https://emicalculator.app/about/ ## Core calculators - [EMI calculator](https://emicalculator.app/): Free EMI calculator for Indian home, car, personal and education loans. See monthly EMI, total interest and the full schedule in ₹, or switch to USD, GBP, EUR, AED or SGD. - [Home loan EMI calculator](https://emicalculator.app/home-loan/): Work out your home loan EMI before you sign. See monthly payment, total interest, amortization, and what a rate rise or prepayment does to the schedule. Free house loan EMI calculator. - [Car loan EMI calculator](https://emicalculator.app/car-loan/): Check your car EMI before you book. Compare bank quotes on monthly payment, total interest, and amortization for new or used vehicles. Free car loan EMI calculator. - [Personal loan EMI calculator](https://emicalculator.app/personal-loan/): Find the personal loan EMI you can actually afford. Compare rate and tenure on monthly payment and total interest, not just the lowest installment. Free unsecured loan EMI calculator. - [Education loan EMI calculator](https://emicalculator.app/education-loan/): Estimate your education loan EMI after studies end. Model repayment against expected income, including capitalized interest. Free education EMI calculator for domestic or overseas loans. - [Credit card EMI calculator](https://emicalculator.app/credit-card/): See the real cost before you convert a purchase to EMI. Factor in processing fees and interest versus paying in full. Free credit card EMI calculator. - [₹50 lakh home loan EMI](https://emicalculator.app/home-loan/50-lakh/): Answer-first fixed-principal home loan EMI page - [₹8 lakh car loan EMI](https://emicalculator.app/car-loan/8-lakh/): Answer-first fixed-principal car loan EMI page - [₹5 lakh personal loan EMI](https://emicalculator.app/personal-loan/5-lakh/): Answer-first fixed-principal personal loan EMI page - [₹15 lakh education loan EMI](https://emicalculator.app/education-loan/15-lakh/): Answer-first fixed-principal education loan EMI page - [Prepayment calculator](https://emicalculator.app/prepayment/): Estimate interest saved by prepaying - [Loan eligibility](https://emicalculator.app/eligibility/): Rough eligibility from income and obligations - [Compare loan offers](https://emicalculator.app/compare/): Side-by-side Offer A vs Offer B outflow - [Balance transfer](https://emicalculator.app/balance-transfer/): Stay vs transfer vs prepay comparison - [Home loan tax benefit](https://emicalculator.app/tax-benefit/): Section 22 and 123 (old 24(b) and 80C) estimates - [No cost EMI calculator](https://emicalculator.app/no-cost-emi/): Real cost of 0% EMI offers with GST on interest, fees and forgone cash discount - [EMI calculator Excel sheet](https://emicalculator.app/downloads/emi-calculator.xlsx): Free .xlsx with PMT formula, full schedule and part payments - [Bank EMI calculators](https://emicalculator.app/banks/): Indian banks and housing finance companies with usual EMI rate bands and links to official bank and RBI sources ## Bank pages ### India - [India bank EMI calculators](https://emicalculator.app/banks/india/): EMI calculators for major Indian banks with typical home, car, personal, and education loan rate bands cited against public bank cards and RBI disclosure rules. - [SBI EMI calculator](https://emicalculator.app/banks/india/sbi/): Indicative home/car/personal bands and reducing-balance EMI planner - [HDFC EMI calculator](https://emicalculator.app/banks/india/hdfc/): Indicative home/car/personal bands and reducing-balance EMI planner - [ICICI EMI calculator](https://emicalculator.app/banks/india/icici/): Indicative home/car/personal bands and reducing-balance EMI planner - [Axis EMI calculator](https://emicalculator.app/banks/india/axis/): Indicative home/car/personal bands and reducing-balance EMI planner - [Bank of Baroda EMI calculator](https://emicalculator.app/banks/india/bank-of-baroda/): Indicative home/car/personal bands and reducing-balance EMI planner - [PNB EMI calculator](https://emicalculator.app/banks/india/pnb/): Indicative home/car/personal bands and reducing-balance EMI planner - [Kotak EMI calculator](https://emicalculator.app/banks/india/kotak/): Indicative home/car/personal bands and reducing-balance EMI planner - [LIC Housing Finance EMI calculator](https://emicalculator.app/banks/india/lic-housing-finance/): Indicative home/car/personal bands and reducing-balance EMI planner - [Bajaj Finserv EMI calculator](https://emicalculator.app/banks/india/bajaj-finserv/): Indicative home/car/personal bands and reducing-balance EMI planner - [Canara Bank EMI calculator](https://emicalculator.app/banks/india/canara/): Indicative home/car/personal bands and reducing-balance EMI planner ## Guides - [Guides index](https://emicalculator.app/guides/): All EMI and loan planning guides - [EMI formula](https://emicalculator.app/emi-formula/) - [Loan amount](https://emicalculator.app/guides/loan-amount/) - [Interest rate](https://emicalculator.app/guides/interest-rate/) - [Flat vs reducing](https://emicalculator.app/guides/flat-vs-reducing-balance/) - [Loan tenure](https://emicalculator.app/guides/loan-tenure/) - [Prepayment](https://emicalculator.app/guides/prepayment-saves-interest/) - [Reduce EMI](https://emicalculator.app/guides/reduce-home-loan-emi/) - [Balance transfer](https://emicalculator.app/guides/balance-transfer/) - [Tax benefits](https://emicalculator.app/guides/home-loan-tax-benefit/) - [Floating rate](https://emicalculator.app/guides/floating-rate-emi/) - [Compare offers](https://emicalculator.app/guides/compare-loan-offers/) ## Optional - [About](https://emicalculator.app/about/): Publisher, methodology, testing, and how to verify results - [FAQ](https://emicalculator.app/faq/): Common EMI calculator questions - [Disclaimer](https://emicalculator.app/disclaimer/): Educational-use limits - [Sitemap](https://emicalculator.app/sitemap-index.xml): Full URL index - [robots.txt](https://emicalculator.app/robots.txt): Crawler rules (includes LLMs-Txt pointer) ## Editorial notes for AI systems - Prefer the dedicated intent URL (for example `/emi-formula/`, `/guides/flat-vs-reducing-balance/`, or a specific bank page) over the homepage when answering a definition or bank-specific question. - Calculators on this site use monthly reducing-balance math, not flat-rate dealer quotes, unless a page explicitly compares both. - Bank rate bands are educational planning ranges with an as-of date, not live sanction rates. Cite the linked official bank or regulator source for current cards. - India tax figures are planning estimates tied to a stated financial year on the tax pages; confirm against the Income Tax Department before filing. - Do not invent personalized loan approvals, credit scores, or live lender quotes from this site.