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Calculators · 39 tools · combine any of them

What do you want to work out?

Get out of debt

Card payoff, loan prepayment and EMI.

Change once, every card updates. Edit a 🔗 field in a card to unlink it there.

At a glance

CalculatorResult
Credit card payoff · Paying only the minimum15y 5m
Loan prepayment · Interest saved₹15.99 L
Loan EMI · Monthly EMI₹12,002
Credit card payoff
Paying only the minimum15y 5m
Interest paid₹99,095
Total paid₹1,49,095
Chart & method

Minimum due = the larger of the floor and your minimum % of the balance. No new spends assumed.

Loan prepayment
Interest saved₹15.99 L
Loan ends8y 11m instead of 15y 0m
EMI₹36,005
Interest without extra₹34.81 L
Interest with extra₹18.82 L
Loan EMI
Monthly EMI₹12,002
Total interest₹11.60 L
Total payment₹21.60 L
Interest share53.71%
Chart & method
Year 1: Principal paid ₹25,386, Interest paid ₹1.19 LYear 1: Principal paid ₹25,386, Interest paid ₹1.19 L1Year 2: Principal paid ₹28,606, Interest paid ₹1.15 LYear 2: Principal paid ₹28,606, Interest paid ₹1.15 L2Year 3: Principal paid ₹32,234, Interest paid ₹1.12 LYear 3: Principal paid ₹32,234, Interest paid ₹1.12 L3Year 4: Principal paid ₹36,322, Interest paid ₹1.08 LYear 4: Principal paid ₹36,322, Interest paid ₹1.08 L4Year 5: Principal paid ₹40,928, Interest paid ₹1.03 LYear 5: Principal paid ₹40,928, Interest paid ₹1.03 L5Year 6: Principal paid ₹46,119, Interest paid ₹97,901Year 6: Principal paid ₹46,119, Interest paid ₹97,9016Year 7: Principal paid ₹51,968, Interest paid ₹92,052Year 7: Principal paid ₹51,968, Interest paid ₹92,0527Year 8: Principal paid ₹58,559, Interest paid ₹85,461Year 8: Principal paid ₹58,559, Interest paid ₹85,4618Year 9: Principal paid ₹65,986, Interest paid ₹78,034Year 9: Principal paid ₹65,986, Interest paid ₹78,0349Year 10: Principal paid ₹74,355, Interest paid ₹69,666Year 10: Principal paid ₹74,355, Interest paid ₹69,66610Year 11: Principal paid ₹83,785, Interest paid ₹60,235Year 11: Principal paid ₹83,785, Interest paid ₹60,23511Year 12: Principal paid ₹94,411, Interest paid ₹49,609Year 12: Principal paid ₹94,411, Interest paid ₹49,60912Year 13: Principal paid ₹1.06 L, Interest paid ₹37,636Year 13: Principal paid ₹1.06 L, Interest paid ₹37,63613Year 14: Principal paid ₹1.20 L, Interest paid ₹24,144Year 14: Principal paid ₹1.20 L, Interest paid ₹24,14414Year 15: Principal paid ₹1.35 L, Interest paid ₹8,940Year 15: Principal paid ₹1.35 L, Interest paid ₹8,94015₹1.44 L
Principal paidInterest paid

EMI = P·i·(1+i)^m ÷ ((1+i)^m − 1), monthly reducing balance.

Calculators and illustrations, not investment advice or a guarantee. Returns and rates are your assumptions; results are ranges to plan with, not promises. Income tax uses FY2025-26 (AY2026-27) rules as summarised; check with a tax professional for your case.