RepayLab: Loan EMI Calculator

Understand a repayment before you borrow and keep existing loans easier to plan. RepayLab is an independent loan EMI calculator and debt-repayment planner. Enter the values you choose to see estimated payments, interest, total repayment, payoff dates and a detailed schedule. No lender account or loan application is required. CALCULATE LOAN REPAYMENTS • Calculate EMI for reducing-balance loans • Compare equal-instalment, equal-principal and flat-rate methods • Include fees and taxes entered by you • Review principal, interest, total cost and a full repayment schedule • Export selected schedules and planning reports as PDF or CSV MODEL MORE REALISTIC HOME LOANS • Add staged disbursements and Pre-EMI periods • Explore moratorium choices and manual rate changes • Review the assumptions, phase totals and estimated payoff date WORK BACKWARDS FROM A BUDGET • Estimate a possible principal from a chosen payment • Estimate the term needed for a selected payment • Estimate an implied rate from the values entered PLAN MULTIPLE DEBTS • Keep debt accounts, payment records and due-date reminders together • Compare four defined repayment strategies using the same account snapshot • Review estimated monthly requirements, total interest, payoff dates, first account closure and possible cash gaps • See when additional funds may be needed to keep the plan above the reserve level you set SUPPORT MULTIPLE CURRENCIES Each currency portfolio is calculated and displayed separately. RepayLab does not silently convert currencies or create a combined cross-currency total. PRIVACY AND ADVERTISING Your loan inputs, balances, payment history, income, expenses, cash shortfalls and calculation results are not provided to advertisers as targeting parameters. RepayLab may contain clearly labelled third-party advertising. Advertisements are separate from calculations and are not RepayLab recommendations, rankings or matches. IMPORTANT RepayLab provides mathematical estimates and planning information only. It is not a lender, broker, loan facilitator, comparison service or financial adviser. It does not provide, approve, arrange or service loans, collect loan applications, determine eligibility, or send your details to lenders. Actual lender calculations, fees, taxes, dates, rate changes and rounding may differ. Confirm all terms with the relevant regulated provider before making a financial decision.