Toolkit
Loans & Debt Toolkit
Every loan decision boils down to a few questions: how much will I pay, how long will it take, and is there a smarter use of this money? This toolkit gives you the calculators to answer all three confidently.
Tools in this kit
EMI Calculator
Calculate your monthly loan EMI, total interest, and total payment with confidence.
Loan Prepayment Calculator
See exactly how much interest and time you save by prepaying a loan — extra monthly + lumpsum.
Credit Card Interest Calculator
See exactly how long it takes to pay off a credit card balance — and how much interest it costs.
Loan Prepay vs Invest Calculator
Should you prepay your loan or invest the surplus? Get a clear, after-tax verdict.
Worth reading
2 min read
How EMI really affects total interest
Why a small change in tenure or rate quietly costs you years of interest — and how to see it before you sign.
2 min read
Things to check before taking a home loan
A focused checklist of the things that quietly decide whether your home loan is a good one — or a long, expensive habit.
Quick tips
- 1Pay off credit-card balances before any other 'investment' — 36%+ APR beats most returns.
- 2A small extra monthly EMI can knock off years from a 20-year home loan.
- 3Compare post-tax loan rates with post-tax investment returns before prepaying.
- 4Floating-rate home loans in India have no prepayment penalty.