Compare two fixed-rate amortising loans side by side, including loan fees, monthly payments, total interest and potential repayment differences.
Run the full standard calculation without signing in. Save work or use Pro target planning when needed.
Principal and tenure are common for both offers. Enter the respective rates and any known upfront fees.
Start with the result. Open the details only when you need them.
Enter your numbers and calculate to see the result.
MPPM will explain what the result means and what to check next.
Work backwards from the outcome you want.
MPPM helps organise assumptions, compare outcomes and make a clearer plan.
Free gives you the standard answer. Pro helps you plan targets, compare scenarios, organise recurring work and create decision-ready outputs.
Compare current, conservative and growth cases before committing to a change.
Test the same assumptions across multiple scenarios and see how the result moves.
Turn the calculation into a clear next-step recommendation.
MPPM connects the result and supporting metrics into one practical decision summary.
Start from the outcome you want, not only the result you have.
Work backwards from a target to the performance, volume or budget required.
Move from calculator result to something you can actually share.
Create structured outputs for managers, clients and recurring reviews.
Reuse important assumptions across connected decisions.
Connect this result with the other calculators in the MPPM workflow.
See how the decision changes over time.
Keep previous calculations, revisit assumptions and compare performance without deleting old work.
Fees and loan duration can reverse the apparent ranking. Consider cash flow, total repayment and contract terms.
Use the same amount and term to compare the two offers fairly.
One-time charges affect total cost even if they do not change EMI.
Consider total interest and terms rather than only monthly outflow.
Each offer is amortised over the same number of months using its annual rate. The comparison includes optional upfront fees separately.
Use connected calculators when the next question depends on another part of the economics.
Yes. Higher fees or a longer tenure can make the total cost higher.
This standard calculator uses one common tenure for a fair rate comparison. Use loan-specific offer terms for a precise comparison.
Not automatically. Confirm contract-specific penalties and other fees with your lender.
This calculation assumes fixed rates. Floating-rate loans can have different future payment schedules.
