Calculate your loan EMI.

Calculate monthly EMI, total interest, total repayment and a yearly amortization schedule for high-value loan scenarios.

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Interactive repayment planner

Plan your EMI. Understand the complete borrowing cost.

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01

Monthly EMI

02

Total interest

03

Total repayment

What to know

What you need to know

How EMI is calculated

The calculator applies the standard reducing-balance formula: EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ−1), where P is principal, r is the monthly rate and n is the number of instalments.

Compare EMI and total interest

A longer tenure can reduce the monthly instalment but usually increases total interest. Compare both figures before choosing a repayment horizon.

Read the amortization schedule

The yearly schedule shows how early payments contain more interest and how principal repayment increases as the outstanding balance falls.

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Useful next steps

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