Free EMI calculator
Monthly instalment, total repayment and total interest for a loan. Runs in your browser; nothing you type is sent to us.
Standard reducing-balance EMI. Your bank may add fees and charges.
Using the EMI calculator in three steps.
- Enter the loan amount.
- Enter the yearly interest rate and the tenure in years or months.
- Read the monthly EMI, the total you repay and the interest paid.
About the EMI calculator.
How is EMI calculated?
EMI = P x r x (1+r)^n divided by ((1+r)^n - 1), where P is the loan, r is the monthly rate and n is the number of months.
Does a longer tenure lower the EMI?
Yes, the monthly amount falls, but you pay more interest in total.
Will my bank's figure match exactly?
It may differ slightly because of fees, rounding and how the first instalment is timed. Ask your lender for the exact schedule.
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