EMI Calculator

Plan home, car, or personal loans. See your monthly EMI, total interest, and a full month-by-month amortization schedule.

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EMI Calculator

Calculate EMI, total interest and view a full amortization schedule.

Loan amount — ₹10,00,000

₹

Interest rate — 9% p.a.

Tenure — 10 years (120 months)

Monthly EMI

₹12,667.58

Total interest

₹5,20,109.29

Total payment

₹15,20,109.29

Principal 65.8%Interest 34.2%

Year-wise breakdown

Year	Principal	Interest	Balance
1	₹64,634	₹87,377	₹9,35,366
2	₹70,697	₹81,314	₹8,64,669
3	₹77,329	₹74,682	₹7,87,340
4	₹84,583	₹67,428	₹7,02,757
5	₹92,517	₹59,494	₹6,10,240
6	₹1,01,196	₹50,815	₹5,09,044
7	₹1,10,689	₹41,322	₹3,98,355
8	₹1,21,072	₹30,939	₹2,77,282
9	₹1,32,430	₹19,581	₹1,44,853
10	₹1,44,853	₹7,158	₹0

How to use EMI Calculator

1
Enter the loan amount
Type or drag the slider to set the principal — home, car, personal or education loan.
2
Set interest and tenure
Enter the annual interest rate and repayment period in years. All three inputs are live-linked to the result.
3
Read the results
See the monthly EMI, total interest and total payment update instantly. The year-wise table shows how principal and interest split each year.
4
Download the schedule
Export the full month-by-month amortization schedule as CSV for your records.

About EMI Calculator

Plan home, car, or personal loans. See your monthly EMI, total interest, and a full month-by-month amortization schedule.

Use EMI Calculator when you need to loan emi with full amortization. Review the available options in the interface, process your input, and check the result before saving or copying it.

Frequently asked questions

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly interest rate (annual/12/100) and n is total months. This is the standard reducing-balance formula used by every Indian bank.