Adjustable-Rate Loan Calculator
See how a loan installment changes when the interest rate resets part-way through the term — phase one at today’s rate, phase two at the adjusted rate.
Phase 1 monthly installment
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Balance when rate changes
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Phase 2 monthly installment
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Total interest
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Total repaid
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How it works
Phase 1 EMI is worked out over the full term at the initial rate: EMI = P × i × (1+i)n / ((1+i)n − 1), where i is the monthly rate. The balance left when the rate resets is then re-amortised over the remaining months at the new rate to give the phase 2 EMI.More free tools: Financial Calculators hub — car finance, loan vs invest, Apna Ghar and more.
Estimates only — not financial advice. Rates, slabs and prices change; confirm live figures with your bank, broker or the FBR before acting. Calculations run in your browser; nothing is uploaded.