Calculators · free
Loan / EMI Calculator
Work out the equated monthly instalment (EMI) for any loan: enter the amount, interest rate and term to see the monthly payment, total interest and total repayment, with a full yearly breakdown.
Estimates only — lenders add fees and insurance that change the real cost.
Monthly payment
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Total interest
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Total repaid
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Interest share
Year by year
About the Loan / EMI Calculator
Work out the equated monthly instalment (EMI) for any loan: enter the amount, interest rate and term to see the monthly payment, total interest and total repayment, with a full yearly breakdown.
All maths runs in your browser. Nothing about your finances is sent anywhere.
How to use the Loan / EMI Calculator
- Step 1Enter the loan amount, the annual interest rate and the term in years.
- Step 2Pick your currency so the numbers read naturally.
- Step 3Press Calculate to see the monthly payment, total interest and a year-by-year breakdown.
What you get
- Monthly instalment and total cost
- Total interest and interest share
- Year-by-year schedule
- Compare terms by changing one field
Loan / EMI Calculator — FAQ
What is EMI?
Equated Monthly Instalment — the fixed monthly payment covering interest plus part of the principal over the loan term.
Why is most of the early payment interest?
Interest is charged on the outstanding balance, which is highest at the start. As the balance falls, more of each payment reduces the principal.
Does this include fees?
No. Processing fees, mandatory insurance and prepayment charges are lender-specific and are not part of the instalment maths.
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