How does this calculator compare Loan vs FD?

It calculates monthly EMIs for a loan and the maturity amount for an FD. Then, it shows total interest paid vs interest earned, helping you compare both options quickly.

What is the Real Value of EMI?

Real Value of EMI is your monthly payment adjusted for inflation, so you can see how the effective cost changes over time.

Loan vs FD / Compound Interest Calculator

Principal Loan Amount / FD Amount : Loan Interest Rate (%) : FD / Compound Interest Rate (%) : Inflation Rate (% per year) : Loan / FD Term : Select Term Type:

Loan Details

Monthly EMI
Total Interest Paid
Total Amount Paid

FD Details

Total Interest Earned
Total Maturity Amount

Real Value of EMI (in Present time)

Year	EMI Paid	Real Value of EMI
Total Amount Paid

Quickly compare your loan’s EMI with fixed deposit returns using our easy financial calculator.
Calculate total interest, real EMI value, and more—no data collected, no login required.

Loan Details

FD Details

Comparison Charts

Real Value of EMI (in Present time)

Real Value of FD (in Present time)