Work out loan top up instantly with clear inputs, formula shown and shareable results.
A top-up adds to an existing secured loan at close to the original rate, usually far cheaper than unsecured credit. The extra instalment is the difference between the EMI on the combined balance and the EMI on the old balance over the same remaining tenure.
Top-up EMI
Extra EMI = PMT(out + top, r, n) - PMT(out, r, n)
Figures are estimates. Lenders apply their own rounding, fees and eligibility rules, and rates change. This is not financial advice — confirm the numbers with your lender.
Usually much cheaper, because it is secured on the same asset — though it stretches the debt over a longer horizon.
Yes. The higher combined EMI is counted against income, and the total must stay within the lender's loan-to-value limit.