Top-up Loan EMI Calculator
Already paying a loan? See what happens when you take additional amount on top of your remaining principal — combined EMI, total interest, and comparison.
📋 Existing Loan
12 of 24 months paid (50% done)
➕ Top-up Loan
Often same or slightly higher than existing rate
Current Loan Status
Current EMI
₹23,072
Outstanding Principal
₹2,62,438
Already Paid (Total)
₹2,76,870
Remaining Months
12
After Top-up
New Combined Principal: ₹4,62,438 (₹2,62,438 + ₹2,00,000)
Option A: Merged EMI
₹14,969
single EMI × 36m
Total Interest₹76,430
Total Payment₹5,38,868
Option B: Separate EMIs
₹29,573
₹23,072 + ₹6,500
Top-up Interest₹34,018
Total Interest₹48,449
📊 Visual Comparison
Monthly EMI
No Top-up
₹23,072
Merged
₹14,969
Separate
₹29,573
Total Interest Payable
No Top-up
₹14,432
Merged
₹76,430
Separate
₹48,449
📋 Full Comparison
| No Top-up | Merged | Separate | |
|---|---|---|---|
| Monthly EMI | ₹23,072 | ₹14,969 | ₹29,573 |
| EMI Increase | — | +₹-8,104 | +₹6,500 |
| Tenure | 12m | 36m | 36m |
| Total Interest | ₹14,432 | ₹76,430 | ₹48,449 |
| Extra Interest | — | ₹61,999 | ₹34,018 |
| Better Option? | — | ✓ Less interest |