Loan Calculator.
Calculate monthly payment, total interest, and lifetime cost of any loan.
Calculations happen in your browser
Local processing
Conversions happen in your browser. Nothing is uploaded.
Instant results
Native browser APIs mean no server queue, no waiting room.
No account needed
Open, drop, convert. No sign-up, no email, no friction.
Frequently asked questions
Is this the EMI formula used by banks?
Yes. Standard amortization formula.
Does this account for fees, taxes, or insurance?
No — just principal + interest. Real loan costs often include origination fees and taxes.
What if rate is 0%?
Handled — simple division of principal by total months.
Are my files really not uploaded?
Correct. Every conversion in this tool runs in your browser using JavaScript and the local file APIs. There is no server-side processing, no file upload, no temporary storage, and no log of what you converted. You can verify this by opening your browser's network tab while converting — the only traffic is loading the page itself.
Do I need an account or to install anything?
No. Open the page, drop your file, download the result. No signup, no email, no extension, no app.
Is there a file-size limit?
Not from us. The practical limit is your device's memory — browser tabs typically handle files in the hundreds of megabytes range without issues. Very large files may take longer to process on phones than on laptops.