EMI Calculator

Plan your loan with our easy-to-use calculator. Get instant results for any loan type.

Loan Details

₹
₹1.00 L₹25,00,000₹5.00 Cr
%
6%8.5% p.a.15%
1 Yr20 Years30 Yr

Monthly EMI

₹21,696

Total Interest

₹27,06,939

Total Payment

₹52,06,939

Payment Breakdown

Total

₹52.07 L

Principal

₹25,00,000

48.0%

Interest

₹27,06,939

52.0%

EMI Payment Breakdown by Year

Principal
Interest
Outstanding Balance
2026
2027
2028
2029
2030
2031
2032
2033
2034
2035
2036
2037
2038
2039
2040
2041
2042
2043
2044
2045
2046
₹0₹2.60 L
Outstanding Balance Progress₹25,00,000 → ₹0
Year
Principal
(A)
Interest
(B)
Total Payment
(A + B)
BalanceLoan Paid
2026₹45,447₹1,93,205₹2,38,651₹24,54,553
1.8%
2027₹53,773₹2,06,574₹2,60,347₹24,00,781
4.0%
2028₹58,526₹2,01,821₹2,60,347₹23,42,255
6.3%
2029₹63,699₹1,96,648₹2,60,347₹22,78,556
8.9%
2030₹69,329₹1,91,018₹2,60,347₹22,09,226
11.6%
2031₹75,457₹1,84,890₹2,60,347₹21,33,769
14.6%
2032₹82,127₹1,78,220₹2,60,347₹20,51,642
17.9%
2033₹89,387₹1,70,960₹2,60,347₹19,62,255
21.5%
2034₹97,287₹1,63,059₹2,60,347₹18,64,968
25.4%
2035₹1,05,887₹1,54,460₹2,60,347₹17,59,081
29.6%
2036₹1,15,246₹1,45,101₹2,60,347₹16,43,835
34.2%
2037₹1,25,433₹1,34,914₹2,60,347₹15,18,402
39.3%
2038₹1,36,520₹1,23,827₹2,60,347₹13,81,882
44.7%
2039₹1,48,587₹1,11,760₹2,60,347₹12,33,295
50.7%
2040₹1,61,721₹98,626₹2,60,347₹10,71,574
57.1%
2041₹1,76,016₹84,331₹2,60,347₹8,95,558
64.2%
2042₹1,91,574₹68,773₹2,60,347₹7,03,984
71.8%
2043₹2,08,507₹51,840₹2,60,347₹4,95,477
80.2%
2044₹2,26,937₹33,410₹2,60,347₹2,68,540
89.3%
2045₹2,46,997₹13,350₹2,60,347₹21,543
99.1%
2046₹21,543₹153₹21,696₹0
100.0%

?What is EMI?

EMI (Equated Monthly Installment) is the fixed amount you pay every month to repay your loan. It includes both principal and interest components.

In the early months, a larger portion goes toward interest. As time passes, more of your EMI pays off the principal. Though your EMI stays constant, the principal-interest ratio changes over time.

∑EMI Formula

EMI = P × r × (1+r)n
(1+r)n - 1
P
Principal Amount
r
Monthly Rate
(Annual ÷ 12 ÷ 100)
n
Total Months

Example Calculation

Loan Amount
₹10,00,000
Interest Rate
10.5% p.a.
Tenure
10 Years
Monthly EMI
₹13,493

Total payment: ₹16,19,220 (Principal: ₹10,00,000 + Interest: ₹6,19,220)

💡 Shorter Tenure

Higher EMI but significantly lower total interest paid

⚡ Prepayment

Part payments reduce principal and save interest

📊 Compare Rates

Even 0.5% lower rate saves lakhs over loan tenure

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