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Whether it is a home, car, bike or personal loan, the two numbers that matter are the monthly installment (EMI) and the total interest over the loan's life. This Amortization Calculator computes both from the loan amount, rate and tenure, using the standard reducing-balance formula used by Pakistani banks.

The calculation applies the annual rate monthly to the outstanding balance, so early payments are mostly interest and later payments mostly principal — exactly how banks structure the repayment. The amortisation table shows this month by month.

KIBOR-based pricing is common for home loans in Pakistan: banks quote 'KIBOR + spread', and the effective rate you enter should be the full rate you will actually pay. Getting this right is the difference between a realistic EMI and a misleading one.

Use the tool to test scenarios before you commit: a larger down payment, a shorter tenure, or a better rate. Keep your total monthly debt payments under roughly 40–50% of take-home income, and compare the total-interest column across banks — that is where the real money is saved.

Whether it is a home, car, bike or personal loan, the two numbers that matter are the monthly installment (EMI) and the total interest over the loan's life. This Mortgage Calculator computes both from the loan amount, rate and tenure, using the standard reducing-balance formula used by Pakistani banks.

The calculation applies the annual rate monthly to the outstanding balance, so early payments are mostly interest and later payments mostly principal — exactly how banks structure the repayment. The amortisation table shows this month by month.

KIBOR-based pricing is common for home loans in Pakistan: banks quote 'KIBOR + spread', and the effective rate you enter should be the full rate you will actually pay. Getting this right is the difference between a realistic EMI and a misleading one.

Use the tool to test scenarios before you commit: a larger down payment, a shorter tenure, or a better rate. Keep your total monthly debt payments under roughly 40–50% of take-home income, and compare the total-interest column across banks — that is where the real money is saved.