EMI Calculator
Estimate monthly loan payments, total interest and total repayment.
120 monthly instalments
This is an estimate. Actual lender payments may include fees, insurance, taxes or different rounding rules.
How to calculate a loan EMI
- Enter the loan details. Add the loan amount, then adjust the annual interest rate and tenure.
- Review the breakdown. See the monthly EMI and its principal-versus-interest split.
- Download the schedule. Get the monthly amortization breakdown as CSV if you need the full schedule.
What happens to your data
The calculation runs entirely in your browser using standard EMI formulas — your loan details are never sent to a server.
What this calculator supports
Common reasons to use this calculator
- Check what a new home, car or personal loan will cost per month.
- Compare EMIs across different interest rates or tenures before committing.
- See how much of each payment goes to interest versus principal.
- Get a full amortization schedule to plan cash flow.
Frequently asked questions
Is my loan data uploaded anywhere?
No — your figures stay in your browser.
Are these the exact figures my lender will charge?
No — results are estimates. Lender fees, insurance, taxes, rounding and rate changes can alter your actual payments.
Can I download the full repayment schedule?
Yes — download the monthly amortization breakdown as a CSV file.
What does the principal-vs-interest breakdown show?
How each EMI splits between paying down the loan itself and paying interest, which typically shifts toward more principal over time.
Does it handle rate changes over the loan term?
No — it assumes a constant rate for the tenure you enter; recalculate with the new rate if your loan is variable.
Last reviewed: August 2026