UAE Personal Loan Planner

Personal Loan Calculator UAE

Calculate EMI, total interest, total payment, fees & early payoff impact — with chart, table, share & PDF.

Currency

Loan Amount

Principal amount you want to borrow.

Interest Rate (% per year)

Annual reducing-balance rate (typical personal loan method).

Tenure

Choose years or months. Minimum 1 month.

Rate Type

Most UAE loans use reducing-balance. Flat rate is only for comparison.

Upfront Fees (Optional)

Processing/admin fees. Some banks deduct fees from disbursed amount.

Monthly Insurance / Add-on (Optional)

If applicable, this increases your monthly outflow.

Extra Monthly Payment (Optional)

Pay extra monthly to finish earlier and reduce interest (simulation).

Optional: Monthly Income

Used for EMI-to-income affordability check.

Affordability Guideline (% of income)

Common range is 30–40% depending on liabilities and bank policy.

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Tip: Choose the shortest affordable tenure to reduce total interest.

Reducing-balance EMI is the standard for most UAE personal loans; flat rate is shown only as an approximation.
If the bank deducts fees from disbursement, your effective cost increases (even if EMI stays similar).
Extra monthly payments can reduce total interest and shorten your tenure (simulation-based estimate).
Affordability check is a guideline only — banks may consider liabilities, credit score, and salary transfer.
PDF export is always in English to avoid Arabic font issues.