Loan Calculator
Whether it is a bank loan, car finance or a personal loan, this calculator shows the monthly installment (EMI), total payable and total interest before you sign. Enter the amount, rate and tenure to compare plans in seconds.
Monthly Installment (EMI)
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Total Payable
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Total Interest / Markup
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Amortization Summary — First 12 Months
| Month | Payment | Principal | Interest | Remaining Balance |
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Yearly Totals
| Year | Paid | Principal | Interest | Balance at Year End |
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This estimate is based on the standard EMI formula. The actual amount can differ due to bank charges, processing fee, insurance and KIBOR-linked floating rates.
How to use
- Enter the loan amount in PKR.
- Enter the annual interest / markup rate (%) — the one the bank tells you.
- Enter the tenure in months (e.g. 3 years = 36 months).
- Press "Calculate Installment" — EMI, total payable, total interest and the schedule will show.
Tips
- Compare offers on total payable, not just the monthly installment — a longer tenure can look cheaper while costing much more interest.
- Use the first-12-months summary to see how fast the balance falls in the first year.
- Banks may add processing fees or insurance on top; factor those in when comparing the numbers.