Personal Loan Calculator
Adjust values to see your monthly payment and fee impact instantly.
Personal Loan Details
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yrs
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Monthly Payment
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Amount You Receive
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Origination Fee
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Total Payment (incl. fee)
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Total Interest
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Personal Loan Amortization Schedule
Track every payment of your personal loan.
| Month | Payment | Principal | Interest | Extra | Balance |
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Personal Loan Calculator FAQ
What is an origination fee?▶
An origination fee is a one-time charge lenders deduct upfront. If you borrow Rs 1,00,000 with a 2% fee, you receive Rs 98,000 but repay the loan on the full Rs 1,00,000, so the fee adds to your total cost.
Why is the amount I receive less than the loan amount?▶
Because the origination fee is deducted before disbursement. Always check both the loan amount and the amount you actually receive when comparing lenders.
Should I use extra payments for my personal loan?▶
If you can afford it, extra payments reduce your balance faster, shorten the loan term and save a significant amount of interest — especially on higher-rate personal loans.