Personal Loan Calculator Pakistan — EMI & Markup Estimate
Estimate the monthly installment, total markup and total repayment for a personal loan in Pakistan.
Rates reviewed: 16 June 2026 · effective 1 July 2025
Annual markup / profit rate offered by your bank.
One-off fee as a % of the loan amount.
Your installment
Your inputs are calculated in your browser and are not stored by CalcuPK.
Total cost breakdown
| Cost | Amount |
|---|---|
| Loan (principal) | PKR 1,000,000 |
| Total markup | PKR 450,462 |
| Processing fee | PKR 10,000 |
| Total cost | PKR 1,460,462 |
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How to use this calculator
- 1Enter the loan amount you need.
- 2Add the bank's markup/profit rate and tenure.
- 3Optionally add a processing fee.
- 4Review your monthly installment and total cost.
Formula & how it works
Standard EMI formula:
EMI = P × r × (1+r)n ÷ ((1+r)n − 1)
Personal Loan EMI Calculator Pakistan
A personal loan can help with weddings, education, medical bills or emergencies — but the markup adds up. This calculator shows your monthly installment and the total markup you'll pay so you can borrow responsibly and compare bank offers.
Tip: keep your installment comfortably within your budget. Use the Net Salary Calculator to see what you can afford after tax and deductions.
Frequently asked questions
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