Free tool · AbroBot

Education loan EMI and payback calculator

See the real monthly EMI on a study-abroad loan, what the course-time interest adds, and how many years of your first salary abroad it takes to be debt-free. The example below is a ₹40 lakh loan for a two-year master's in the USA; change any number.

Your loan

Loan

Loan amount (₹) Interest rate (% a year)

Repayment tenure (years) Course + grace (months)Repayment usually starts 6 to 12 months after the course

Interest during the course

First job abroad

Expected gross salary (per year) ₹ per unit of that currencyExample rate. Use today's rate.

Take-home after tax (%)

Monthly EMI

Course-time interest

Total interest

Total you repay

Debt-free by

EMI as a share of take-home pay:

Balance owed over time

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Is the course worth this loan?

A loan only makes sense if the course pays it back. AbroBot scores your profile against real student outcomes and shows which universities are realistic, what each will cost, and the likely payback. The first diagnostic is free, no card.

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Banks and NBFCs usually charge simple interest during the course and add it to the loan when repayment starts.
Interest paid on an education loan can be deducted under section 80E for up to 8 years, if you have taxable income in India.
This is an estimate. Your lender's sanction letter sets the final EMI.