Trusted global finance tools
Free Loan & Mortgage Calculators for clear financial decisions
Fast, accurate, and locale-aware calculators for loans, amortization, and credit card payoff. Compare scenarios in your currency — no sign-up required.
Built for the loan you're actually taking
Pre-filled with realistic 2026 rate ranges and tenures for each loan type — both global and India-specific.
Home Loan EMI Calculator
Monthly mortgage payment, lifetime cost, and 15/20/30-year scenario comparison.
Open → Car LoanCar Loan EMI Calculator
New & used car loans across 36, 48, 60, and 72-month terms.
Open → Personal LoanPersonal Loan EMI Calculator
Unsecured loan EMI by credit tier with 1–7-year term comparisons.
Open → U.S.Mortgage Calculator (US)
U.S. PITI, PMI, and 15-, 20-, 30-year fixed-rate scenarios.
Open → RefinanceRefinance Savings Calculator
Break-even months and lifetime interest saved on a mortgage refinance.
Open → AmortizationAmortization Schedule
Month-by-month principal vs interest, plus extra-payment scenarios.
Open →EMI calculators for Indian borrowers
INR formatting, RBI-aligned rate ranges, and worked examples that match SBI, HDFC, ICICI, Axis, LIC Housing, Bajaj Finserv and other major Indian lenders.
Home Loan EMI Calculator (India)
EMI on ₹50 lakh @ 8.75% / 20 yr with prepayment scenarios & SBI/HDFC/ICICI rate ranges.
Open → India · Personal loanPersonal Loan EMI Calculator (India)
Unsecured personal loans at typical 12–18% Indian rates with reducing-balance APR.
Open → India · Balance transferHome Loan Balance Transfer (India)
Will moving your home loan to a lower-rate Indian lender save money after fees?
Open →Make confident money decisions
Side-by-side comparisons that answer "which is actually cheaper?"
Buy vs Rent a Home
Total cost comparison including appreciation, taxes, maintenance, and opportunity cost.
Open toolBuy vs Lease a Car
Compare ownership with loan financing versus leasing over any period.
Open toolRefinance Break-even
When does a refinance pay for itself? See monthly and lifetime savings.
Open toolPay Off Debt vs Invest
Where does your extra cash earn more — debt payoff or investing?
Open toolPlan your future money
Understand inflation, compounding, and long-term goals.
Inflation & Future Value
What will today's money be worth in 5, 10, or 30 years?
Open toolCompound Interest
Project long-term investment growth with monthly contributions.
Open toolRetirement Calculator
Are you on track? See your nest egg and sustainable monthly income.
Open toolSavings Goal
Monthly contribution to reach a target amount by a specific date.
Open toolBuilt for reliability & trust
Designed to give you precise answers with full transparency.
- Locale-aware currency and number formatting using native browser internationalization.
- Transparent formulas and assumptions shown alongside every result.
- Accessible controls with keyboard support and a high-contrast interface.
- No tracking of your inputs — all math runs in your browser.
How these calculators help you plan better
LoanCalc.tech is built for practical money decisions: choosing a loan term, comparing refinance offers, deciding between buying and renting, and forecasting long-term savings outcomes. Each calculator isolates the inputs that matter most and shows the financial impact clearly, so you can compare scenarios before committing to a major payment.
Use the loan and amortization tools to understand monthly cash flow and total interest, then use the planning tools to test inflation, compounding, and savings timelines. Because everything runs in your browser, you get private, fast calculations with locale-aware formatting and transparent assumptions that are easy to verify.
Frequently asked questions
Quick answers to common questions about our calculators.
Are LoanCalc.tech calculators free to use?
Yes. Every calculator on LoanCalc.tech is free, requires no sign-up, and runs entirely in your browser.
What currencies and locales are supported?
USD, EUR, GBP, INR, JPY, AUD, and CAD are supported, with locale-aware number formatting for English (US/UK/India), German, French, and Japanese.
Is my financial information stored?
No. All calculations run in your browser. Only your locale and currency preference are saved locally on your device.
How is loan EMI calculated?
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the principal, r is the monthly interest rate, and n is the number of months.
Is it cheaper to buy or rent a home?
It depends on the price, mortgage rate, rent, how long you'll stay, home appreciation, and the opportunity cost of your down payment. Our Buy vs Rent calculator compares total net costs over any time horizon.
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Financial guides to go deeper
Short, practical reads that pair with our calculators.
How to Calculate Your Loan EMI Before Applying
The exact formula, a worked example, and the three levers that move your monthly payment.
HomeRent vs. Buy: A Complete Financial Decision Guide
Hidden costs, opportunity cost, and the true break-even point of buying a home.
PlanningCompound Interest vs. Loan Interest
Why the same force that builds wealth also keeps debt spiraling.