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Big moments cost money. See what borrowing for one really costs, how long saving would take, and what happens if you save for a few months and borrow only the gap.
These only fill in a starting amount. Change it below.
Months from today. 0 means you need the money now.
Example rates and fees. These are examples, not offers. Change them to match a quote you have.
Each bar shows how your goal gets paid for, plus any interest and fees on top. The dark marker on each bar is the amount you need.
Lenders look at FOIR: the share of your take-home pay that goes to EMIs. Many lenders get cautious above 50%, and a lower share leaves you room for everyday costs.
Omozing offers personal loans of up to ₹25 lakh for salaried people with a take-home of ₹40,000 or more, for 3 to 36 months, with rates starting from 11% a year. The exact APR and fees are shown in your Key Fact Statement before you accept.
See if a personal loan fits your planIllustrative only. Loan figures assume a fixed rate with equal monthly EMIs, the processing fee paid at the start (lenders often deduct it from the amount paid out) and no other charges. Savings assume a deposit at the start of each month with interest compounded monthly, before tax; real RDs and FDs often compound quarterly and interest is taxable. Rates shown are examples you can change.
Made by Omozing, the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered NBFC. Results are illustrative, not an offer.
This free calculator compares three ways to pay for a big moment such as a wedding, Diwali shopping or a holiday: borrowing the full amount now, saving first, or saving for a few months and borrowing only the gap. It shows the EMI, total interest and processing fee, how long saving would take, and what share of your take-home pay the EMI would use.
If the date can move, saving first is almost always cheaper because you pay no interest. If it cannot, saving for a few months and borrowing only the gap usually costs much less than borrowing the full amount.
It depends on the rate, tenure and fee. Use the calculator: enter ₹5,00,000, your tenure and an example rate to see the EMI, total interest and processing fee. Your lender’s Key Fact Statement shows the exact APR.
Many lenders look at FOIR, the share of take-home pay going on all EMIs together, and often cap it at around half. The calculator shows your share as you change the loan.
No. Results are illustrative and use example rates you can change. Omozing’s rates start from 11% a year, and your actual rate depends on your credit assessment.