EMI Calculator
Transparent EMI planning for home, car, personal, and education loans. Adjust loan amount, annual interest, and repayment tenure to see real-time EMI, interest vs principal splits, and amortization schedule.
EMI Calculator
₹40,280
Monthly installment for the selected loan
Payable
₹96,67,118
Total for 20 yr
Loan Type
Monthly Interest Rate
0.625%
Effective rate used in calculations
Payment breakdown
Principal vs Interest
48.3% Interest
Interest
₹46,67,118
Principal
₹50,00,000
Loan Balance Trend
Interactive chart showing principal, interest, and balance over time.
Amortization Schedule
Yearly breakdown with expandable monthly details
| Year | Principal (A) | Interest (B) | Total Payment (A+B) | Balance | Loan Paid To Date |
|---|---|---|---|---|---|
| ▶2026 | ₹1,12,159 | ₹3,71,197 | ₹4,83,356 | ₹48,87,841 | 2.24% |
| ▶2027 | ₹1,20,867 | ₹3,62,489 | ₹4,83,356 | ₹47,66,974 | 4.66% |
| ▶2028 | ₹1,30,250 | ₹3,53,106 | ₹4,83,356 | ₹46,36,724 | 7.27% |
| ▶2029 | ₹1,40,361 | ₹3,42,995 | ₹4,83,356 | ₹44,96,363 | 10.07% |
| ▶2030 | ₹1,51,258 | ₹3,32,098 | ₹4,83,356 | ₹43,45,105 | 13.10% |
| ▶2031 | ₹1,63,001 | ₹3,20,355 | ₹4,83,356 | ₹41,82,104 | 16.36% |
| ▶2032 | ₹1,75,655 | ₹3,07,701 | ₹4,83,356 | ₹40,06,450 | 19.87% |
| ▶2033 | ₹1,89,291 | ₹2,94,065 | ₹4,83,356 | ₹38,17,158 | 23.66% |
| ▶2034 | ₹2,03,986 | ₹2,79,369 | ₹4,83,356 | ₹36,13,172 | 27.74% |
| ▶2035 | ₹2,19,822 | ₹2,63,534 | ₹4,83,356 | ₹33,93,350 | 32.13% |
| ▶2036 | ₹2,36,888 | ₹2,46,468 | ₹4,83,356 | ₹31,56,462 | 36.87% |
| ▶2037 | ₹2,55,278 | ₹2,28,078 | ₹4,83,356 | ₹29,01,184 | 41.98% |
| ▶2038 | ₹2,75,096 | ₹2,08,260 | ₹4,83,356 | ₹26,26,088 | 47.48% |
| ▶2039 | ₹2,96,452 | ₹1,86,904 | ₹4,83,356 | ₹23,29,636 | 53.41% |
| ▶2040 | ₹3,19,467 | ₹1,63,889 | ₹4,83,356 | ₹20,10,169 | 59.80% |
| ▶2041 | ₹3,44,268 | ₹1,39,088 | ₹4,83,356 | ₹16,65,901 | 66.68% |
| ▶2042 | ₹3,70,994 | ₹1,12,362 | ₹4,83,356 | ₹12,94,907 | 74.10% |
| ▶2043 | ₹3,99,795 | ₹83,561 | ₹4,83,356 | ₹8,95,112 | 82.10% |
| ▶2044 | ₹4,30,833 | ₹52,523 | ₹4,83,356 | ₹4,64,279 | 90.71% |
| ▶2045 | ₹4,64,279 | ₹19,077 | ₹4,83,356 | ₹0 | 100.00% |
₹96,67,118
Total payment
₹46,67,118
Total interest
240 months
Loan tenure
Free Loan EMI Calculator
Calculate monthly EMIs for Home Loans, Car Loans, and Personal Loans instantly. Visualize your repayment journey with our interactive charts.
- Amortization Schedule: See exactly how much principal and interest you pay each year.
- Interactive Charts: Visualize the interest vs. principal breakup over the loan tenure.
- All Loan Types: Works for Home, Car, Personal, and Education loans.
- Privacy First: No data is sent to servers; calculate securely on your device.
How to Calculate EMI
Plan your loan in 3 steps:
- Loan Amount: Enter the total amount you wish to borrow.
- Interest Rate: Input the annual interest rate offered by your bank.
- Tenure: Select the loan repayment period in years.
- Result: View your monthly EMI and total interest payable instantly.
How the overview works
The pie chart and legend show the total interest portion over the life of the loan. The stacked bars combine each installment's principal and interest, while the red line tracks the outstanding balance remaining at every checkpoint.
EMI
Monthly installment
Interest vs Principal
Detailed life-of-loan split
Schedule
First 12 payments previewed
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Frequently Asked Questions
No, your financial data never leaves your device. All calculations happen directly in your web browser. We do not store, collect, or transmit any information you enter, such as loan amounts, interest rates, or personal details.
Yes, this tool is completely free with no hidden fees. You can calculate EMIs for as many loans as you want without creating an account, paying anything, or seeing any advertisements.
You can calculate EMI for any fixed-rate loan including home loans, car loans, personal loans, and education loans. Simply enter the loan amount, annual interest rate, and loan tenure to see your monthly payment.
Yes! Once this page loads in your browser, you can disconnect from the internet and continue using the calculator. All the math happens locally on your device.
An amortization schedule shows you how each monthly payment is split between principal (the original loan amount) and interest over the life of your loan. It helps you understand how much of each payment goes toward paying down your debt versus paying interest.