Loan Balance Transfer Calculator

Is moving your loan to a lower rate worth it?

Weighing a loan against your other goals?

See how this EMI fits with your investments and protection before you commit.

Get your detailed report

Optional. A PDF with your inputs, results, scenarios and suggested next steps — and a call from our team to walk you through it.

About this calculator

A lower rate saves money only if the saving beats the charges. Compare EMIs, total saving and how quickly the charges are recovered.

How is this calculated?

Both EMIs are calculated for the remaining tenure. Net saving = (old EMI − new EMI) × months − charges. Break-even = charges ÷ monthly saving.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.