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Calculator toolkit

EMI Calculator

Plan your loan, compare repayment load, and see the yearly balance path.

Loan Parameters

Interest Method
Start Date
Choose the loan start month and year.
Quick scenariosTap one, then tune the sliders
₹
₹ 100,000₹ 10,000,000
Reads as 1 million
%
% 1% 20
Loan Tenure
Mo
Mo 12Mo 360

Repayment Summary

Monthly EMI₹ 12,399
Total Interest Payable₹ 487,880
Total Payment₹ 1,487,880
Total₹1.49M
Principal ₹1M
Interest ₹487.9K

Breakdown Analysis

Yearly distribution of principal and interest components.

₹0₹37.2K₹74.4K₹111.6K₹148.8K2026: Principal ₹49,214, Interest ₹62,372₹111.6K20262027: Principal ₹70,677, Interest ₹78,107₹148.8K2028: Principal ₹76,924, Interest ₹71,857₹148.8K20282029: Principal ₹83,723, Interest ₹65,059₹148.8K2030: Principal ₹91,124, Interest ₹57,657₹148.8K20302031: Principal ₹99,179, Interest ₹49,603₹148.8K2032: Principal ₹107,947, Interest ₹40,837₹148.8K20322033: Principal ₹117,488, Interest ₹31,296₹148.8K2034: Principal ₹127,872, Interest ₹20,910₹148.8K20342035: Principal ₹139,175, Interest ₹9,609₹148.8K2036: Principal ₹36,675, Interest ₹521₹37.2K2036
Principal
Interest

Yearly Amortization Schedule

Detailed year-on-year breakdown of your principal and interest repayments.

YearPrincipal (A)Interest (B)Total (A + B)Balance
▶2026₹ 49,214₹ 62,372₹ 111,591₹ 950,785
▶2027₹ 70,677₹ 78,107₹ 148,788₹ 880,107
▶2028₹ 76,924₹ 71,857₹ 148,788₹ 803,183
▶2029₹ 83,723₹ 65,059₹ 148,788₹ 719,458
▶2030₹ 91,124₹ 57,657₹ 148,788₹ 628,334
▶2031₹ 99,179₹ 49,603₹ 148,788₹ 529,155
▶2032₹ 107,947₹ 40,837₹ 148,788₹ 421,209
▶2033₹ 117,488₹ 31,296₹ 148,788₹ 303,722
▶2034₹ 127,872₹ 20,910₹ 148,788₹ 175,850
▶2035₹ 139,175₹ 9,609₹ 148,788₹ 36,675
▶2036₹ 36,675₹ 521₹ 37,197₹ 0

Understanding EMI Calculations

An Equated Monthly Installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are applied to both interest and principal each month, so that over a specified number of years, the loan is paid off in full.

Our EMI calculator helps you plan your financial future by providing a clear breakdown of your monthly commitments. You can compare different interest rates and tenures to find the repayment plan that fits your budget perfectly.

By analyzing the yearly amortization schedule, you can see how your loan balance decreases over time and how much total interest you will pay over the life of the loan.