Loan-cost utility

Loan APR and Effective Cost Calculator

Calculate annualised internal rate of return from net disbursal, EMI, tenure, balloon payment and recurring charges.

Calculate effective annual cost

Use actual payment dates for an exact XIRR where instalments are irregular.
Effective annual cost
Total cash outflow
Net amount received
Educational calculator · Reviewed 14 July 2026 · Official law, portal data and professional judgement prevail. Methodology Editorial policy Legal and disclaimer