Free Financial Calculator

Loan & EMI Calculator

Calculate your estimated monthly EMI, total interest, total repayment and year-wise repayment schedule. Compare different loan amounts, interest rates and tenures instantly.

Calculate Your EMI

Select your loan type and adjust the values to calculate your estimated monthly repayment.

Loan Type

Loan Amount ₹50,00,000

₹

₹10K ₹10 Cr

Annual Interest Rate 8.50%

1% 30%

Loan Tenure 20 Years

1 Year 40 Years

Opening Balance ₹50,00,000

Principal Paid ₹1,00,000

Interest Paid ₹4,00,000

Closing Balance ₹49,00,000

Month	EMI	Principal	Interest	Balance

Estimated Monthly EMI ₹43,391 Estimated monthly repayment

Principal Amount ₹50,00,000

Total Interest ₹54,13,840

Total Payment ₹1,04,13,840

Loan Tenure 20 Years

Payment Breakdown

Principal

Interest

52% Interest

Understand Your EMI

Plan your loan with clarity.

A longer tenure can reduce the monthly EMI while potentially increasing the total interest paid. Use different combinations to understand the estimated repayment structure.

₹

Monthly EMI

Your estimated Equated Monthly Instalment is calculated using the principal amount, annual interest rate and selected repayment period.

Total Interest

This represents the estimated interest cost over the complete repayment period in addition to the original principal.

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Year-wise Planning

Use the repayment schedule to see how your balance changes and how principal and interest are distributed across each repayment year.

Frequently Asked Questions

Loan & EMI Questions.

Common questions about EMI calculations and repayment planning.

EMI stands for Equated Monthly Instalment. It is the regular payment made towards a loan and generally contains both principal and interest.

A longer repayment period can reduce the monthly EMI, but it can also increase the total interest paid during the life of the loan.

Yes. You can use the calculator for home, personal, car, education, business, gold and custom loan scenarios.

Yes. When you change the loan amount, interest rate or tenure, the repayment schedule is recalculated. The year selector also updates automatically according to the selected tenure.

No. The calculator provides estimates for planning and educational purposes. Actual lender rates, fees, insurance, taxes and other charges may vary.

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