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Calculate education-loan study-period interest, moratorium impact, EMI, total repayment and salary-to-EMI ratio using transparent assumptions.
What this does
Enter the planned loan, rate, study period, moratorium and repayment tenure. The calculator shows the balance when EMI starts, monthly payment, total interest and pressure against expected salary.
Your repayment register will appear here
Use your lender’s quoted rate when available. You can change every assumption and calculate again without signing in.
The pre-repayment period is the study duration plus the moratorium. Simple mode applies the annual rate to the original principal for that period. Monthly-compounded mode adds rounded monthly interest to the running balance.
Repayment then uses the same annual rate converted to monthly interest. The calculator searches for the minimum fixed EMI that clears the balance within the selected number of months and adjusts the final payment when needed.
Derive the planned loan amount before using the calculator. Start with the institution's official fee schedule, add your accommodation and living estimates, then subtract confirmed scholarships and the family contribution. Enter only the amount you plan to borrow.
Check the authority, cycle and exact document location behind the tool's preset requirements.
This calculator does not use lender rates, offers or eligibility rules. Every financial input comes from you. Sponsored loan offers, when present, remain separate from the calculated result.
It can. This calculator models interest from the entered study period through the entered moratorium before repayment begins. Confirm the actual treatment with the lender.
Simple interest is calculated on the original loan amount. Monthly compounded interest adds each month's interest to the balance before calculating the next month.
The calculator finds the minimum fixed monthly payment that repays the capitalised balance within the selected tenure using the entered annual rate and monthly interest rounding.
There is no universal safe ratio. The tool flags EMI above 35% of entered gross monthly salary as high pressure for planning, but your taxes, living costs, other debt and income stability matter.
No. It is a deterministic planning estimate. Lender disbursement schedules, rate changes, concessions, charges and repayment dates can produce different results.