Math & Numbers
Loan EMI Calculator
Enter your loan details to instantly calculate your monthly EMI, total interest, and total repayment.
Calculez la mensualité, les intérêts totaux pour tout prêt
What This Calculator Shows
Monthly EMI
Exact monthly installment using the standard EMI formula.
Total Interest
Total interest you pay over the entire loan period.
Total Payment
Sum of principal plus all interest payments.
Amortization Table
Year-by-year breakdown of principal paid, interest paid, and remaining balance.
How to Use the EMI Calculator
- Enter the loan amount (principal).
- Set the annual interest rate offered by your lender.
- Enter the loan tenure in years.
- Click 'Calculate EMI' to see your monthly payment and full schedule.
FAQ
What is EMI?▾
EMI stands for Equated Monthly Installment — the fixed amount you pay every month until the loan is fully repaid, covering both principal and interest.
How is EMI calculated?▾
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the principal, r is the monthly interest rate, and n is the number of months.
Does a higher interest rate mean more EMI?▾
Yes. A higher interest rate increases both the monthly EMI and the total interest paid over the loan term.
Can I use this for a mortgage?▾
Absolutely. Enter your home loan amount, the bank's interest rate, and the mortgage tenure to get your monthly mortgage payment.
EMI Tips
- A shorter tenure means higher EMI but less total interest.
- A 1% lower interest rate can save thousands over a long loan.
- Prepaying the loan early reduces the outstanding principal and future interest.
- Compare EMIs across banks before committing to a loan.
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