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The Financial Loan Calculator gives you a clear and accurate understanding of your monthly outgo. When you have to pay multiple EMIs or credit bills, tracking them can become a stressful task. This can cause errors, which can be costly if you incur a penalty. A better way to manage multiple pending payments is to consolidate them. A personal loan can be a smart choice because it will allow you to repay your current dues in full and make just one payment every month.