Use this flat vs reducing interest rate calculator to see the real cost of a loan. Enter the loan amount, rate, tenure, and choose “Flat” or “Reducing.” You’ll get monthly EMI for both methods, total interest, total repayment, and the cost difference in rupees and percent.
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Flat charges interest on the original principal for the full tenure; reducing charges interest on the current outstanding, so the interest part shrinks over time.
For the same nominal rate and tenure, reducing is usually cheaper because interest is computed on a falling balance.
Use the calculator. It computes flat-plan outgo and reduces EMI using the standard amortisation formula, then displays total interest and repayment for both.
Most home and long-term loans are on a reducing basis. Some consumer loans are quoted on a flat basis. Always verify the method before signing.
It uses standard formulas. Actual schedules may vary slightly due to lender-specific rounding, fees, or day-count rules. Use results as a precise estimate and confirm with the lender’s sanctioned schedule.
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