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Debt Management

Debt Management

Choose a calculator. Inputs sync to the URL for shareable scenarios.

Know Your Exact Monthly EMI

Calculate EMI, total interest, and payment breakup.

Home Loan EMI Calculator

Housing loan EMI with longer-tenure defaults.

Personal Loan EMI Calculator

Personal loan EMI with shorter-tenure defaults.

Car Loan EMI Calculator

Auto loan EMI estimate with typical tenure defaults.

Education Loan EMI Calculator

Education loan EMI with typical student-loan defaults.

Estimate How Much Loan You Can Afford

Max loan from income, existing EMIs and FOIR-style cap.

Crush Debt Faster with Smart Prepayments

Lump-sum prepayments and annual EMI step-ups.

Choose Tenure Cut or EMI Cut

Side-by-side impact of prepayment strategies.

Should You Refinance Your Loan?

Compare switching costs vs interest savings.

Unmask Flat Rate Loans

Compare flat rate quotes with reducing balance reality.

Decide: Rent or Buy Your Home?

Opportunity-cost aware rent vs buy analysis.

Aaru Wealth

Financial planning & decision support for India

Calculate, understand and plan money decisions with transparent tools for Indian households. Estimates only — not personalised advice.

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© 2026 Aaru Wealth. Illustrative estimates based on stated assumptions. Not investment, tax, or legal advice.