Calculators
EMI, amortisation, consolidation, snowball vs avalanche, refinance and APR true-cost — reducing-balance maths with disclosed assumptions.
Know your payment · P0
Personal loan / EMI payment calculator
Monthly payment (EMI), total interest and repayable amount with country-aware currency and reducing-balance assumptions.
See the schedule · P0
Amortisation schedule calculator
Month-by-month principal and interest split for a personal loan — preview the first N months plus lifetime totals.
Roll debts together? · P0
Debt consolidation break-even calculator
Compare keeping several debts versus one consolidation loan — fees, APR, term, monthly change and break-even.
Payoff strategy · P0
Snowball vs avalanche payoff planner
Multi-debt payoff planner comparing smallest-balance-first vs highest-rate-first — months and interest side by side.
Refinance? · P0
Refinance when it pays
Break-even months for refinancing a personal loan given fees, new rate and new term.
True cost of credit · P0
APR / true cost of fees
See how upfront fees raise the effective cost of borrowing versus the headline interest rate.
Pay down faster · P1
Extra payment / early payoff calculator
Model regular extra payments or a one-off lump sum — interest saved and months cut from the term.
Calculators and articles on LoanCalc Lab are illustrative and not personalised financial advice or a credit offer. Always check the lender’s disclosure for your country before you borrow.