Loan EMI Calculator (Nepal) — with Affordability Verdict
Calculate EMI for home, vehicle, personal, education and business loans in Nepal — with a verdict on whether you can actually afford it.
Total program cost
Rs. 1.49 Cr
Net after part-time work
Rs. 1.30 Cr
Over 2 years
Loan EMI (after grad)
Rs. 66,405
7-yr repayment
Funding gap
Rs. 70.50 L
Adjust the scenario
2 yr
0%
Rs.
Per year, in NPR equivalent.
How will you pay
Rs.
Rs.
%
7 yr
Decision insights
Funding gap remains
You're short Rs. 70.50 L even after savings + loan + work income. Increase scholarship search, larger loan, or part-time work intensity.
Post-graduation EMI burden
Your EMI of Rs. 66,405 starts after the moratorium. Most graduate roles abroad start at Rs 200k–300k/month equivalent — manageable but plan for 30%+ of income going to repayment.
Visa fund proof
Embassies want to see Rs. 73.00 L liquid for the first year (GIC for Canada, OSHC/funds for Australia). Block-account Germany: €11,208 = ~Rs 17 L.
How will you pay?
Cost breakdown
| Item | Per year | 2-year total |
|---|---|---|
| Tuition (after scholarship) | Rs. 45,00,000 | Rs. 90,00,000 |
| Living expenses | Rs. 28,00,000 | Rs. 56,00,000 |
| Visa, IELTS, application | Rs. 1,25,000 | Rs. 2,50,000 |
| Subtotal | Rs. 74,25,000 | Rs. 1,48,50,000 |
| Less: part-time work | − Rs. 9,00,000 | − Rs. 18,00,000 |
| Net cost | Rs. 65,25,000 | Rs. 1,30,50,000 |
References include public/mid-tier universities + frugal living. Top-tier private programs and city centres can be 30–60% higher.
About this calculator
Formula: Net = (Tuition + Living) × Years + Visa − Part-time income; EMI = Loan × r × (1+r)^n / ((1+r)^n − 1)
Studying abroad is the biggest investment most Nepali families ever make. This planner builds the full picture — tuition, living, visa fund, part-time income, education loan EMI — and tells you whether the plan actually works.
How to Use
Pick destination and duration. Set scholarship %, savings and loan terms. The verdict highlights any funding gap and the EMI you'll carry post-graduation.
Net = (Tuition + Living) × Years + Visa − Part-time income; EMI = Loan × r × (1+r)^n / ((1+r)^n − 1)
What is the Study Abroad Cost Planner (Nepal) — Australia, Canada, USA, UK, Germany, Japan?
Studying abroad is the biggest investment most Nepali families ever make. This planner builds the full picture — tuition, living, visa fund, part-time income, education loan EMI — and tells you whether the plan actually works.
Plan total cost of studying abroad from Nepal — tuition, living, visa, part-time work, education loan EMI and the funding gap.
It belongs to our life planners suite and is built to give you accurate answers along with the working steps, so you understand the method as well as the result.
How this calculator works
Internally, the Study Abroad Cost Planner (Nepal) — Australia, Canada, USA, UK, Germany, Japan applies the formula Net = (Tuition + Living) × Years + Visa − Part-time income; EMI = Loan × r × (1+r)^n / ((1+r)^n − 1). Pick destination and duration. Set scholarship %, savings and loan terms. The verdict highlights any funding gap and the EMI you'll carry post-graduation.
The result and every step update instantly as you change the inputs, so you can compare scenarios without re-entering everything.
When to use it & tips
Use the Study Abroad Cost Planner (Nepal) — Australia, Canada, USA, UK, Germany, Japan whenever you need a fast, reliable life planners answer with the steps shown. It works on phone, tablet, and desktop — no sign-up, no install.
Tip: Approximately Rs 70–85 lakh for a 2-year program including tuition, living, OSHC, visa, IELTS. Sydney/Melbourne run 15-20% higher than Brisbane/Adelaide.
FAQs
Related Calculators
SIP Planner (Nepal Mutual Funds) — Step-Up & FD Compare
Plan systematic investment in Nepali mutual funds (NIBL, Sanima, NIC Asia, Citizens) with step-up SIP and bank FD comparison — not just future-value math.
Remittance Calculator (Nepal) — with 1% NRB Cash-back
See exactly how much NPR your family receives after exchange rate, transfer fee, and the 1% NRB remittance bonus.