Yes, entirely. Every calculator is free, needs no sign-up and has no usage limit. The maths runs inside your browser, so nothing you enter is sent to a server.
They use the same reducing-balance EMI formula every Indian bank applies, so results match a lender to within a rupee or two. Differences arise from the disbursal date, since lenders charge broken-period interest for the days before your first full instalment.
Neither. We publish calculators and information. We are not a bank, NBFC or lending intermediary, and we do not provide financial advice.
FY 2026-27, assessment year 2027-28. Budget 2026 left the new regime slabs unchanged, and GST tools use the 0/5/18/40% structure effective from 22 September 2025.
No. All calculations run locally. Your inputs are encoded into the page URL only so a link you share reopens the same result, and that happens on your device.
Most lenders cap total EMIs at 50–60% of net monthly income and fund 75–90% of the property value. You get the lower of those two limits — the eligibility calculator applies both together.
750 and above secures the best published rates at most banks. Between 700 and 750 you will usually be approved at a higher rate; below 650, mainstream unsecured lending is generally declined.
Not on a floating-rate loan taken by an individual — the RBI prohibits foreclosure and prepayment charges on those. Fixed-rate loans, including most personal loans, can carry a charge of 2–5%.
If your total deductions are below roughly ₹3.5–4 lakh, the new regime almost always leaves you with more. Above that the old regime usually wins. The income tax calculator computes both on your exact numbers.
Interest is charged on the outstanding balance, which is highest at the start. Early EMIs are therefore mostly interest, and the principal share grows with every instalment — the amortisation schedule shows the exact split.
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Write to us — corrections to published formulas are a priority and usually fixed within a day.