Use this flat vs reducing calculator when comparing two loan offers that quote rates differently.
It helps identify whether a flat-rate offer is actually costlier than a reducing-balance alternative.
Compare a flat-rate loan against a reducing-balance loan on the same amount.
Compare a flat-rate loan against a reducing-balance loan on the same amount.
Type any custom value. The slider is optional.
Type any custom value. The slider is optional.
Type any custom value. The slider is optional.
Chart
Illustrative balance reduction using a sample EMI scenario.
Sample chart only. The live calculator below updates with your own loan inputs.
Input values
Use current values for amount, rate, tenure, deductions, or contribution assumptions so the estimate matches the decision you are actually evaluating.
Review results
Read the live result together with the chart to understand not just the final figure but also the trend, trade-off, or compounding pattern behind the estimate.
Validate assumptions
Treat the value on this page as a planning number. Confirm any binding decision with the official institution, filing workflow, or advisor before you submit or invest.
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