Personal Loan Calculator
Free personal loan calculator. Get instant results — no signup, no account. Plan and compare with confidence.
Use the Personal Loan Calculator below.
Calculate your personal loan EMI and total interest. See monthly payment and total cost. Free personal loan calculator for USA and international users.
How to use Personal Loan Calculator
Enter loan amount
Input the personal loan amount you need.
Enter rate and tenure
Enter annual interest rate and loan term.
View results
See monthly EMI, total interest, and total repayment.
Features
- Instant results — no waiting or signup.
- Free to use — no hidden fees.
- No login or account required.
- Works on all devices — desktop, tablet, and mobile.
- Your data stays private — we do not store your inputs.
Why use this calculator
- Plan your finances with accurate estimates.
- Compare scenarios in seconds.
- Make informed decisions before you borrow or invest.
Supported browsers and devices
- All modern browsers (Chrome, Firefox, Safari, Edge).
- Mobile-friendly — use on phone or tablet.
- No app download — runs in your browser.
Frequently asked questions
Complete guide to Personal Loan Calculator
What is a personal loan calculator?
A personal loan calculator estimates your monthly payment and total interest for an unsecured personal loan. Enter the loan amount, annual interest rate (APR), and tenure. Personal loans typically have higher rates than secured loans (e.g. home, auto) because there is no collateral. Use this tool to compare offers and see how different tenures affect your EMI.
When to use a personal loan
- Debt consolidation: Combine high-interest credit cards into one lower-rate payment.
- Large expenses: Home improvement, medical bills, or a wedding.
- Emergency funding: When you need cash quickly and have a plan to repay.
- Avoid using for discretionary spending; interest adds up fast.
How to get a better personal loan rate
- Check and improve your credit score before applying.
- Compare rates from multiple lenders (banks, credit unions, online lenders).
- Choose a shorter term if you can afford a higher EMI.
- Avoid unnecessary fees; some lenders charge origination or prepayment fees.
Related calculators
- EMI Calculator
Calculate EMI for any loan in seconds. Free EMI calculator for home, car, and personal loans. See monthly payment and total interest. Try it now.
Calculate → - Car Loan Calculator
Free car loan calculator. Calculate car loan EMI, total interest, and repayment. USA & worldwide.
Calculate → - Credit Card Payoff Calculator
Free credit card payoff calculator. Pay off credit card debt faster. USA & worldwide.
Calculate →
Disclaimer
Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.