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Loan EMI Calculator
Break down a loan into monthly EMI, processing cost, total interest, total amount paid, and yearly amortization.
Your loan details
Estimated result
₹0Year-wise view
Projection table
What this calculator tells you
This calculator estimates the monthly EMI, total interest, processing cost, and total amount paid for a loan based on amount, rate, tenure, and upfront charges.
How to use it
Enter the loan amount, annual interest rate, tenure, and any processing cost charged by the lender. The table shows how principal and interest reduce year by year.
Formula used
EMI = P × r × (1 + r)n / ((1 + r)n - 1)
- P
- loan amount
- r
- monthly interest rate
- n
- number of monthly instalments
- EMI
- fixed monthly repayment
Assumption used: A monthly reducing-balance method is used. If the interest rate is zero, EMI is principal divided by months.
Assumptions and limitations
Processing cost can be treated as paid upfront or added to the financed amount. The estimate does not include insurance, prepayment charges, late fees, taxes on fees, or floating-rate resets during the loan period.
These calculators are for educational and planning purposes only. Results are estimates based on the inputs provided and should not be treated as financial advice. Please consult a qualified financial advisor before making investment or loan decisions.
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