EMI & Loan Calculators

EMI Calculators: Phone, Laptop, TV, AC, Bike, Car and No-Cost EMI

EMI = loan × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the monthly rate and n the months. These 13 calculators do that maths for phones, laptops, TVs, ACs, bikes and cars, and show what EMIs really cost: interest, processing fees and the 18% GST on interest in no-cost EMI. Keep all your EMIs under about 40% of take-home pay.

13 free tools
No sign-up
Made for India (₹, Indian sizes)
Updated 3 Oct 2026

13 tools

Start here

EMI CalculatorMonthly EMI, interest and total cost No-Cost EMI True Cost CalculatorGST on interest + fee = real cost Affordability CalculatorIncome to safe EMI and max price

All emi & loan calculators

Buy Now Pay Later CalculatorInstalment, fees and real yearly cost Down Payment CalculatorDown payment to EMI and interest saved Mobile EMI CalculatorPhone price to EMI and real cost Laptop EMI CalculatorLaptop price to EMI and total cost TV EMI CalculatorTV price to EMI and total cost AC EMI CalculatorAC price to EMI and total cost Bike & Scooter EMI CalculatorOn-road price to two-wheeler EMI Car Loan EMI CalculatorOn-road price to car loan EMI Flat vs Reducing Interest Rate CalculatorFlat rate to real (reducing) rate Car Affordability Calculator (20/4/10 Rule)Salary to the car price you can afford

Frequently asked questions

Is no-cost EMI really free?

Not fully. The interest is given back as a discount, but you pay 18% GST on that interest plus any processing fee.

What is a safe EMI for my salary?

Keep all EMIs together under about 40% of take-home pay, and a single gadget EMI well under 10%.

Flat or reducing rate: which is cheaper?

Reducing rate. A 10% flat rate on a 1-year loan equals about an 18% reducing rate.

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Know about CouponTalk

CouponTalk is an Indian shopping research site founded by Hemant Kumar. We help you choose the right product, get the size right and pay a fair price, with buying guides, 248 free calculators, a price tracker and verified deals.

We stand out because

Made for India: prices in ₹, Indian sizes, and brands and stores you can buy from here.
Show the working: every calculator explains its formula and gives a worked example.
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Our key focus areas

Buying guides for electrical, home, kitchen, bike gear and fashion.
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