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Know your money — not just vibes

Personal Loan

Sample values for a personal loan. Change them to yours.

Your monthly EMI
₹16,107
Total interest₹2,66,414
Total payable₹9,66,414

Illustrative. Your lender's schedule can differ because of fees, part-payments or rate resets.

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Free calculator — no signup required. Login to save your data, analyze all your loans together, and unlock Balance Transfer & Smart Plan.
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Personal Loan Analyzer
High-rate, short-tenure loan. Key question: is this rate competitive? If you have an existing loan, check if BT or early closure saves money.
⚡ Avg market rate 10.5–24%🔄 Check if BT saves money🔒 Close early if FOIR is high📊 Compare tenures
New loan offer: Fill what the bank has offered. The decision engine will tell you whether to accept, negotiate, or reject.
Your Loan Portfolio
Check the loans to include in balance transfer. Uncheck loans the bank won't transfer. Adding/removing loans here is just for this comparison — it doesn't change your saved profile.
Click "+ Add Loan" to start building your loan portfolio.
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BT Offer Advisor
Rate & tenure negotiation targets · Login to unlock
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Login to access BT Offer Advisor
Get personalised rate & tenure negotiation targets based on your saved loans. Find the exact ceiling to negotiate with your lender. Free, forever — same login as the rest of FinResp.

All calculations are illustrative. Actual amounts may differ due to part-payments, rate resets, or lender-specific rounding. Consult your lender before any financial decision.

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