Debt Consolidation Calculator
Calculate how much you can save by consolidating multiple debts into a single loan. Compare monthly payments, total interest, and payoff timelines side-by-side.
Your Monthly EMI
₹1,014
Principal
₹50,000
Total Interest
₹10,829
Total Payable
₹60,829
Breakdown
Principal: ₹50,000 (82%)
Total Interest: ₹10,829 (18%)
Interest-to-Principal: 21.7%
📊 Interactive EMI Breakdown
Principal vs Interest
Principal: ₹50,000
Interest: ₹10,829
Year-by-Year Payment Split
Loan Scenario Comparison
| Metric | Your plan | +1% Interest (9.0%) | +12 Months (72mo) |
|---|---|---|---|
| Monthly EMI | ₹1,014 | ₹1,038 ↑ ₹24 | ₹877 ↓ ₹137 |
| Total Interest | ₹10,829 | ₹12,275 ↑ ₹1,446 | ₹13,120 ↑ ₹2,291 |
| Total Payable | ₹60,829 | ₹62,275 | ₹63,120 |