Home / Calculator

Loan EMI Calculator

Estimate the monthly payment, total interest, and full repayment on any loan — personal, car, home or business — before you commit.

From AED 10,000 to AED 5,000,000
Use the reducing-balance rate (not the flat rate)
From 6 months up to 30 years (360 months)
Estimated monthly payment
AED 0
Loan amountAED 0
Total interestAED 0
Total paymentAED 0

Reducing-balance method. Excludes processing fees, insurance and government charges.

💡 Tips for using the calculator

  • Use the reducing-balance rate, not the flat rate. A bank advertising "2.99% flat" is roughly 5.49% reducing balance.
  • Add 1% to the loan amount if your bank charges a 1% processing fee.
  • Cap the tenure: 48 months for personal/business, 60 months for cars, up to 25 years for home loans.
  • Check your DBR. UAE Central Bank limits debt repayments to 50% of your gross income.

📊 Flat-to-reducing rate guide

Flat rate ≈ Reducing (48 mo)
1.99%3.66%
2.49%4.59%
2.99%5.49%
3.49%6.41%
3.99%7.32%

Approximate — actual conversion depends on tenure.

Like the number? Find loans that match.

Browse listings filtered by rate, salary, and bank — apply directly with your preferred lender.

Browse personal loans → Mortgages