Compare EMI, total interest, and total payment across two or three loans side by side to find the cheapest option.
| Metric | Loan ACheapest option | Loan B |
|---|---|---|
| EMI | 10,623.52 | 11,122.22 |
| Total Interest | 137,411.34 | 167,333.43 |
| Total Payment | 637,411.34 | 667,333.43 |
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The Loan Comparison Tool lets you enter two or three loan offers side by side — principal, interest rate and tenure for each — and instantly compares their EMI, total interest paid and total repayment, making it easy to see which lender's offer actually costs less over the full loan life, not just which has the lower advertised rate.
A lower interest rate doesn't always mean a cheaper loan once tenure and processing fees are factored in: a longer tenure at a lower rate can sometimes cost more in total interest than a shorter tenure at a slightly higher rate, which is exactly the kind of trade-off this side-by-side view makes visible.
It depends on your priority: the lowest EMI (usually from a longer tenure) eases monthly cash flow but costs more in total interest over the loan's life, while a shorter tenure has a higher EMI but a lower total repayment. Compare both figures, not just the EMI.
This tool compares principal, interest rate and tenure to calculate EMI and interest cost; processing fees, prepayment charges and insurance add-ons vary by lender and should be added manually to the total cost for a complete comparison.
Most AIVEXA tools run entirely in your browser (client-side), which means your files and inputs are processed on your own device and are not uploaded to a server.
Yes — it works on any modern browser (desktop, Android or iOS) without installing an app, and it's free to use with no signup or watermark.
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