Loan / EMI Calculator
Monthly EMI, total interest, and full amortization — from loan amount, rate, and term.
Standard reducing-balance EMI math — results update live as you type.
0
Monthly EMI
0
Total interest
0
Total repayment
| Year | Principal paid | Interest paid | Balance left |
|---|
Excludes fees, insurance, and taxes — confirm the official schedule with your lender.
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Fill in the input above and run the tool to get started.
Honest limits
Results follow the standard reducing-balance EMI formula and are estimates. Real loans include processing fees, insurance, taxes, and lender-specific rounding not modeled here. This is not financial advice — confirm all figures with your lender and consider consulting a financial advisor.
How to use the Loan / EMI Calculator
- Enter the loan amount (principal).
- Enter the annual interest rate as a percentage.
- Enter the loan term in years.
- Press Calculate EMI — monthly payment, totals, and the yearly breakdown appear.
Examples
Example
500,000 at 8% for 5 years → EMI ≈10,138/month, total interest ≈108,280 — about 21.7% on top of the principal.
What this tool doesn't do
- Uses the standard reducing-balance formula; real offers add processing fees, insurance, and lender rounding.
- Assumes a fixed rate for the whole term — floating-rate loans change with benchmarks.
- Results are estimates, not financial advice — confirm figures with your lender and consider a financial advisor.
Frequently asked questions
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