Loan comparison — two loans side by side
Enter two loan offers and see which costs less over its term, with EMIs and total repayment for each. It calculates in your browser (0 uploads, works offline).
How to use it
- Enter your figures in the fields above.
- The result and the formula appear instantly.
- Copy or Download the result.
FAQ
How do I compare two loan offers for free?
Enter the amount and each loan's rate and tenure — the EMI and total repayment for both appear instantly in your browser with no upload, and the tool tells you which is cheaper overall and by how much.
Why can a lower EMI cost more?
A longer tenure lowers the monthly EMI but stretches the interest over more months, so the total repaid can be higher. Comparing the total, not just the EMI, is the point of this tool.
Is my data uploaded?
No. The calculation is local and nothing is stored; it works offline.
Does it include fees?
No — it compares the pure interest cost. Processing fees, insurance and prepayment charges vary and are not modelled, so factor them in separately.
Limits
Compares interest cost only; fees and prepayment are excluded. Pending CA/lender review.
Related
The EMI calculator handles a single loan; the SIP calculator projects investments.
Bookmark this page (Ctrl+D, or ⌘D on Mac) or install the app — it works offline the next time you need it.