Free Mortgage, Loan & EMI Calculator — USA, Saudi Arabia & Global

A loan is a financial agreement where a borrower receives a fixed amount of money (principal) from a lender and agrees to repay it over time with interest. Our Free Mortgage, Loan & EMI Calculator helps you calculate monthly payments, total interest, and full repayment amounts instantly — now with support for all major global currencies.

You can calculate EMI in USD, EUR, SAR, AED, GBP, INR, PKR, JPY, CNY, AUD, CAD, RUB, KRW, ZAR, BRL, TRY, and BDT, making this tool ideal for users in the USA, Saudi Arabia, and worldwide.

Types of Loans You Can Calculate

1. Amortized Loans (Most Common)

Amortized loans are repaid through fixed periodic payments until the loan is fully paid. Each payment includes both principal and interest.

Common examples:

• Mortgage loans
  
  

• Home loans
  
  

• Auto loans
  
  

• Student loans
  
  

• Personal loans
  
  

Our calculator instantly shows:

• Monthly EMI
  
  

• Total number of payments
  
  

• Total interest paid
  
  

• Principal vs interest breakdown
  
  

• Full amortization schedule
  
  

2. Deferred Payment Loans

In deferred payment loans, the borrower repays the entire principal and interest in one lump sum at the end of the loan term. These are often used in short-term or commercial financing.

Our tool calculates:

• Total amount due at maturity
  
  

• Accumulated interest
  
  

• Loan growth over time
  
  

3. Bonds & Lump-Sum Repayment Loans

Bond-style loans involve a predetermined amount paid at maturity. These are common in investment and corporate financing.

Using our calculator, you can:

• Estimate the initial loan value
  
  

• Calculate interest growth
  
  

• Compare bond yields across currencies
  
  

Mortgage & Home Loan EMI Calculator — USA & Saudi Arabia

Our mortgage EMI calculator supports both 30-year home loans in the USA and home financing in Saudi Arabia. You can calculate EMIs in USD or SAR, apply fixed interest rates, and instantly see how loan tenure affects monthly payments.

This helps borrowers:

• Compare mortgage options
  
  

• Plan monthly budgets
  
  

• Understand total interest costs
  
  

• Choose optimal loan duration
  
  

Multi-Currency Loan & EMI Calculator

Unlike basic calculators, our tool supports international currencies, making it perfect for global users and expatriates.

Supported currencies include:
USD, EUR, SAR, AED, GBP, INR, PKR, JPY, CNY, AUD, CAD, RUB, KRW, ZAR, BRL, TRY, BDT

You can calculate loan repayments in your preferred currency without manual conversions.

Key Loan Factors Explained

Interest Rate

Interest is the cost of borrowing money. It is usually expressed as APR (Annual Percentage Rate), which includes interest and fees. Higher rates increase total repayment.

Compounding Frequency

Interest can compound monthly, quarterly, or annually. More frequent compounding results in higher total interest paid.

Loan Term

Longer loan terms reduce monthly EMI but increase total interest. Shorter terms raise EMI but lower total loan cost.

Secured vs Unsecured Loans

Secured Loans

Backed by collateral such as property or vehicles.
Examples:

• Mortgages
  
  

• Auto loans
  
  

These usually offer lower interest rates.

Unsecured Loans

No collateral required.
Examples:

• Personal loans
  
  

• Student loans
  
  

• Credit cards
  
  

These often have higher interest rates due to increased lender risk.

Why Use Our EMI & Loan Calculator?

✔ Supports USA, Saudi Arabia & global users
✔ Works with 17+ major currencies
✔ Calculates mortgage, auto, student & personal loans
✔ Shows EMI, interest & amortization instantly
✔ Free, fast, and mobile-friendly
✔ No signup required

Start Calculating Your Loan Today

Whether you're planning a mortgage in the USA, a home loan in Saudi Arabia, or an international loan in any major currency, our Free Mortgage, Loan & EMI Calculator gives accurate results in seconds.

Use it now on all-calculator.net and make smarter financial decisions with confidence.