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EMI Calculator
Enter loan amount, annual interest rate and tenure to see your monthly EMI and total interest.
About this tool.
EMI stands for equated monthly instalment, the fixed amount you pay each month until a loan is cleared. Each payment covers interest on the outstanding balance plus part of the principal, and early payments are mostly interest.
This calculator uses the standard reducing-balance formula EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1). Try changing tenure: a longer tenure lowers the EMI but raises total interest. Figures are estimates and exclude processing fees and insurance.
Three steps, then you are done.
Enter the loan amount
Type the principal you plan to borrow.
Add rate and tenure
Use the annual interest rate and years.
Compare the results
See EMI, total interest and total payment.
Questions about this tool.
Which formula is used?
The standard reducing-balance EMI formula used by most banks.
Does it include fees?
No. Processing fees, taxes and insurance are excluded.
Is this financial advice?
No. It is an estimate for planning. Confirm details with your lender.
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