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Loan top-up: calculate as a new loan or merge?
How to model a loan top-up with a standard EMI calculator — separate facility vs merged outstanding.
Top-up as a separate loan
If the top-up has its own rate, tenure, and EMI, run the EMI calculator on the top-up amount alone. Your total monthly outflow ≈ existing EMI + top-up EMI. This is the common case and needs no special formula.
Merged into one facility
If the bank rewrites the account as one outstanding (old balance + top-up) with a new rate and tenure, enter that combined principal and new terms in the EMI calculator once.
Why WealthStack does not force a “top-up mode”
Top-up does not change the core EMI math. Keeping tools general avoids locking the product to one story. Use this guide plus the standard EMI tools.
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Educational content only — not financial advice. Terms vary by lender and product.