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Balance Transfer Loan Calculator
Balance Transfer Loan Calculator — Savings & EMI Planner

Balance Transfer Loan Calculator — Savings & EMI Planner

Use our Balance Transfer Loan Calculator to compare loan transfer savings, EMI reduction, interest savings, and repayment benefits.

100%Free to Use
PDFExport Ready

Balance Transfer Calculator

Calculate Your Savings

Adjust your parameters and get an instant breakdown.

Balance Transfer

Compare old vs new loan to calculate EMI reduction, interest savings, and net benefits.

Current Loan
Outstanding Principal (₹)
Current Rate (%)
1%10%20%30%
Current Tenure (Months)
1120240360 mo
New Loan Offer
New Rate (%)
1%10%20%30%
New Tenure (Months)
1120240360 mo
%
%
%
Current EMI
New EMI
EMI Saving
Old Total Interest
New Total Interest
Gross Interest Saved
Processing Fee (with GST)
Legal Fees
Insurance Premium
Prepayment Penalty
Total Transfer Costs
Net Savings

BALANCE TRANSFER MADE SIMPLE

How to Use This Calculator

Compare your current loan with new offers to find the best savings

1

Enter Current Loan Details

Input your outstanding principal, current interest rate, and remaining tenure.

2

Enter New Loan Offer

Enter the new interest rate and tenure offered by the new lender.

3

Add Transfer Costs

Include processing fee, legal fees, insurance, and any prepayment penalty.

4

Review Savings

See your net savings, EMI reduction, and break-even period instantly.

Balance Transfer Loan Calculator — Savings & EMI Planner

Indicative estimates only. Actual EMI, interest, fees and terms are subject to lender policies, CIBIL score, income verification and prevailing rates. Not financial advice.