Card monthly payment
Total card repayment
Card interest
Personal loan EMI
Personal loan processing fee
Total personal loan cost
Personal loan interest and fee
Potential saving with personal loan
Compare outputs within each unit group. Bars show magnitude; exact values include any negative sign. Each group uses its own scale.
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Educational estimate only
Compare monthly payment, interest and total cost for revolving a big purchase on a card versus a personal loan.
Educational estimate only
Results can vary based on company policy, lender terms, tax law, and personal assumptions.
Amortises the purchase at the entered card APR and repayment period, then compares it with a reducing-balance personal loan including the entered processing fee.
A high-APR card balance repaid over 24 months can cost substantially more than a lower-APR personal loan even after a processing fee.
No. The card side models revolving credit at the entered APR. A genuine card EMI offer can have different rates, fees and taxes.
Also compare approval risk, foreclosure rules, fees, credit utilisation and whether the purchase can be delayed or paid from savings without harming your emergency fund.
