Calculators & Finance Suite• Finance
EMI Calculator
Compute your EMI and loan repayment schedules.
Loan Core Values
Base Monthly EMI
₹26,035
Excluding prepayments
Accelerated Prepayment Benefit
By paying surplus principal, you will save ₹11,73,056 in compound interest outflows and shave off 76 months (6.3 years) of loan commitment!
Actual Monthly EMI
₹31,035
Total Interest Paid
₹20,75,271
Effective Tenure
164 monthsof original 240
Cumulative Cost
₹50,75,271
Outflow breakdown
Principal59%
Total Principal
₹30,00,000Total Interest
₹20,75,271Add One-Time Prepayment
Custom ScheduleOutstanding Debt Amortization Curve
Outstanding balance visualization down to ₹0 closing.
Detailed Payment Schedule
| Month | Opening Balance | Paid Interest | Paid Principal | Prepayments | Total Outflow | Closing Balance |
|---|---|---|---|---|---|---|
| 1 | ₹30,00,000 | ₹21,250 | ₹4,785 | ₹5,000 | ₹31,035 | ₹29,90,215 |
| 2 | ₹29,90,215 | ₹21,181 | ₹4,854 | ₹5,000 | ₹31,035 | ₹29,80,361 |
| 3 | ₹29,80,361 | ₹21,111 | ₹4,924 | ₹5,000 | ₹31,035 | ₹29,70,437 |
| 4 | ₹29,70,437 | ₹21,041 | ₹4,994 | ₹5,000 | ₹31,035 | ₹29,60,443 |
| 5 | ₹29,60,443 | ₹20,970 | ₹5,065 | ₹5,000 | ₹31,035 | ₹29,50,379 |
| 6 | ₹29,50,379 | ₹20,899 | ₹5,136 | ₹5,000 | ₹31,035 | ₹29,40,242 |
| 7 | ₹29,40,242 | ₹20,827 | ₹5,208 | ₹5,000 | ₹31,035 | ₹29,30,034 |
| 8 | ₹29,30,034 | ₹20,754 | ₹5,280 | ₹5,000 | ₹31,035 | ₹29,19,754 |
| 9 | ₹29,19,754 | ₹20,682 | ₹5,353 | ₹5,000 | ₹31,035 | ₹29,09,401 |
| 10 | ₹29,09,401 | ₹20,608 | ₹5,426 | ₹5,000 | ₹31,035 | ₹28,98,975 |
| 11 | ₹28,98,975 | ₹20,534 | ₹5,500 | ₹5,000 | ₹31,035 | ₹28,88,474 |
| 12 | ₹28,88,474 | ₹20,460 | ₹5,575 | ₹5,000 | ₹31,035 | ₹28,77,900 |
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What is this tool?
Calculate Equated Monthly Installments (EMI) for home loans, car loans, or personal loans. See exactly how much interest you will pay over the lifetime of the loan.
How to calculate EMI
- Enter the principal loan amount.
- Enter the annual interest rate.
- Provide the loan tenure (in months or years).
- View your monthly payment and total interest payable instantly.