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EMI Calculator

Estimate monthly loan instalments, total interest and repayment with a month-by-month amortization schedule.

Your inputs

₹ INR
Choose the currency for your amounts. Values are not exchange-rate converted.
YOUR RESULT

Monthly EMI

₹26,034.70
Principal
₹30,00,000.00
Total interest
₹32,48,327.28
Total repaid
₹62,48,327.28
Payments
240
Calculation method & assumptions

Uses the standard reducing-balance monthly EMI formula. The last payment is adjusted to clear the remaining balance.

The interest rate is fixed for this illustration. Processing fees, insurance and rate changes are excluded.

Repayment breakdown

Compare the components of the estimated total.

Repayment breakdownCompare the components of the estimated total. Principal: INR 30,00,000; Interest: INR 32,48,327PrincipalINR 30,00,000InterestINR 32,48,327Estimated total6.2M

Remaining loan balance

Values at selected points in the calculation period.

Remaining loan balanceValues at selected points in the calculation period. M12: INR 29,40,293; M36: INR 28,04,580; M48: INR 27,27,600; M72: INR 25,52,625; M96: INR 23,45,351; M120: INR 20,99,815; M132: INR 19,60,540; M156: INR 16,43,969; M180: INR 12,68,962; M204: INR 8,24,730; M216: INR 5,72,749; M240: INR 02.9M2.2M1.5M735.1K0M12M36M48M72M96M120M132M156M180M204M216M240INR

Detailed breakdown

240 rows
MonthPaymentPrincipalInterestBalance
1₹26,034.70₹4,784.70₹21,250.00₹29,95,215.30
2₹26,034.70₹4,818.59₹21,216.11₹29,90,396.71
3₹26,034.70₹4,852.72₹21,181.98₹29,85,543.99
4₹26,034.70₹4,887.09₹21,147.60₹29,80,656.90
5₹26,034.70₹4,921.71₹21,112.99₹29,75,735.19
6₹26,034.70₹4,956.57₹21,078.12₹29,70,778.62
7₹26,034.70₹4,991.68₹21,043.02₹29,65,786.94
8₹26,034.70₹5,027.04₹21,007.66₹29,60,759.90
9₹26,034.70₹5,062.65₹20,972.05₹29,55,697.25
10₹26,034.70₹5,098.51₹20,936.19₹29,50,598.74
11₹26,034.70₹5,134.62₹20,900.07₹29,45,464.12
12₹26,034.70₹5,170.99₹20,863.70₹29,40,293.12
13₹26,034.70₹5,207.62₹20,827.08₹29,35,085.50
14₹26,034.70₹5,244.51₹20,790.19₹29,29,841.00
15₹26,034.70₹5,281.66₹20,753.04₹29,24,559.34
16₹26,034.70₹5,319.07₹20,715.63₹29,19,240.27
17₹26,034.70₹5,356.75₹20,677.95₹29,13,883.53
18₹26,034.70₹5,394.69₹20,640.01₹29,08,488.84
19₹26,034.70₹5,432.90₹20,601.80₹29,03,055.94
20₹26,034.70₹5,471.38₹20,563.31₹28,97,584.55
21₹26,034.70₹5,510.14₹20,524.56₹28,92,074.41
22₹26,034.70₹5,549.17₹20,485.53₹28,86,525.24
23₹26,034.70₹5,588.48₹20,446.22₹28,80,936.77
24₹26,034.70₹5,628.06₹20,406.64₹28,75,308.70
25₹26,034.70₹5,667.93₹20,366.77₹28,69,640.78
26₹26,034.70₹5,708.07₹20,326.62₹28,63,932.70
27₹26,034.70₹5,748.51₹20,286.19₹28,58,184.20
28₹26,034.70₹5,789.23₹20,245.47₹28,52,394.97
29₹26,034.70₹5,830.23₹20,204.46₹28,46,564.74
30₹26,034.70₹5,871.53₹20,163.17₹28,40,693.21
31₹26,034.70₹5,913.12₹20,121.58₹28,34,780.09
32₹26,034.70₹5,955.00₹20,079.69₹28,28,825.08
33₹26,034.70₹5,997.19₹20,037.51₹28,22,827.90
34₹26,034.70₹6,039.67₹19,995.03₹28,16,788.23
35₹26,034.70₹6,082.45₹19,952.25₹28,10,705.78
36₹26,034.70₹6,125.53₹19,909.17₹28,04,580.25
37₹26,034.70₹6,168.92₹19,865.78₹27,98,411.33
38₹26,034.70₹6,212.62₹19,822.08₹27,92,198.71
39₹26,034.70₹6,256.62₹19,778.07₹27,85,942.09
40₹26,034.70₹6,300.94₹19,733.76₹27,79,641.15
41₹26,034.70₹6,345.57₹19,689.12₹27,73,295.58
42₹26,034.70₹6,390.52₹19,644.18₹27,66,905.06
43₹26,034.70₹6,435.79₹19,598.91₹27,60,469.27
44₹26,034.70₹6,481.37₹19,553.32₹27,53,987.90
45₹26,034.70₹6,527.28₹19,507.41₹27,47,460.62
46₹26,034.70₹6,573.52₹19,461.18₹27,40,887.10
47₹26,034.70₹6,620.08₹19,414.62₹27,34,267.02
48₹26,034.70₹6,666.97₹19,367.72₹27,27,600.05
49₹26,034.70₹6,714.20₹19,320.50₹27,20,885.85
50₹26,034.70₹6,761.76₹19,272.94₹27,14,124.10
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HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

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About EMI Calculator.

How emi is calculated

Uses the standard reducing-balance monthly EMI formula. The last payment is adjusted to clear the remaining balance.

What the result means

Estimate monthly loan instalments, total interest and repayment with a month-by-month amortization schedule.

Assumptions and scope

The interest rate is fixed for this illustration. Processing fees, insurance and rate changes are excluded.

Using the calculator

Enter loan amount, annual interest rate, duration (years). Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

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Your inputs are calculated in this browser. Load the tool online before using it offline.

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