Last updated: January 2026
By accessing or using Tenor ("the Service", available at emiloancalculator.club), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Service. We may update these terms from time to time, and continued use after an update constitutes acceptance of the revised terms.
Tenor is a free, browser-based calculator for estimating loan EMIs (Equated Monthly Installments), comparing two loan scenarios, planning prepayments, generating amortization schedules, and estimating loan eligibility. All calculations run locally in your browser using standard, publicly documented amortization formulas.
Nothing on this Service constitutes financial, investment, legal, or tax advice. The figures shown are mathematical estimates based on the numbers you enter — they do not account for your specific lender's fees, day-count conventions, insurance add-ons, credit assessment, or eligibility criteria. Always confirm final figures with your bank, NBFC, or a licensed financial advisor before making a borrowing decision. See our Disclaimer for further detail.
We take reasonable care to ensure our calculators use correct, standard amortization formulas, and we test them against known reference values. However, we make no warranty that results are error-free, complete, or suitable for any particular purpose, and we are not liable for financial decisions made based on figures shown on this Service.
The Service does not require account creation and does not store the loan figures you enter on any server — calculations happen entirely in your browser, and preferences (like currency or theme) are saved only in your own browser's local storage. See our Privacy Policy for details on cookies and third-party analytics/advertising services used.
The design, code, text, and branding of Tenor are owned by its creator and may not be copied, reproduced, or redistributed without permission, except for personal, non-commercial use of the calculator tools themselves.
This Service displays advertisements served by Google AdSense and may link to third-party websites (such as lenders or informational resources). We do not control and are not responsible for the content, accuracy, or practices of third-party sites or advertisers.
To the maximum extent permitted by law, Tenor and its creator shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, the Service, including any financial loss resulting from decisions made using calculator outputs.
We may modify, suspend, or discontinue any part of the Service at any time without prior notice.
These terms are governed by the laws of India, without regard to conflict-of-law principles, without prejudice to any mandatory consumer-protection rights you may have under the laws of your own country of residence.
Questions about these terms can be sent to farazalikhannnn@gmail.com.