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EMI Calculator

Enter the loan amount, interest rate, and tenure to see your monthly EMI, total interest, and total payment. Free and instant.

Instalment frequency
Repayment method
Moratorium (grace at start)
Monthly instalment20,758.36
80%principal
Principal10,00,000.00
Total interest2,45,501.31
Total paid12,45,501.31
Principal Interest Pending principal
1y2y3y4y5y

The bands are each instalment split into principal (lower) and interest (upper). The line is the pending principal.

Schedule
No.InstalmentPrincipalInterestBalance
120,758.3613,258.367,500.009,86,741.64
220,758.3613,357.797,400.569,73,383.85
320,758.3613,457.987,300.389,59,925.88
420,758.3613,558.917,199.449,46,366.96
520,758.3613,660.607,097.759,32,706.36
620,758.3613,763.066,995.309,18,943.30
720,758.3613,866.286,892.079,05,077.02
820,758.3613,970.286,788.088,91,106.75
920,758.3614,075.056,683.308,77,031.69
1020,758.3614,180.626,577.748,62,851.07
1120,758.3614,286.976,471.388,48,564.10
1220,758.3614,394.126,364.238,34,169.98
1320,758.3614,502.086,256.278,19,667.90
1420,758.3614,610.856,147.518,05,057.05
1520,758.3614,720.436,037.937,90,336.62
1620,758.3614,830.835,927.527,75,505.79
1720,758.3614,942.065,816.297,60,563.73
1820,758.3615,054.135,704.237,45,509.60
1920,758.3615,167.035,591.327,30,342.57
2020,758.3615,280.795,477.577,15,061.78
2120,758.3615,395.395,362.966,99,666.39
2220,758.3615,510.865,247.506,84,155.54
2320,758.3615,627.195,131.176,68,528.35
2420,758.3615,744.395,013.966,52,783.95
2520,758.3615,862.484,895.886,36,921.48
2620,758.3615,981.444,776.916,20,940.03
2720,758.3616,101.304,657.056,04,838.73
2820,758.3616,222.064,536.295,88,616.66
2920,758.3616,343.734,414.625,72,272.93
3020,758.3616,466.314,292.055,55,806.63
3120,758.3616,589.814,168.555,39,216.82
3220,758.3616,714.234,044.135,22,502.59
3320,758.3616,839.593,918.775,05,663.01
3420,758.3616,965.883,792.474,88,697.12
3520,758.3617,093.133,665.234,71,604.00
3620,758.3617,221.333,537.034,54,382.67
3720,758.3617,350.493,407.874,37,032.19
3820,758.3617,480.613,277.744,19,551.57
3920,758.3617,611.723,146.644,01,939.85
4020,758.3617,743.813,014.553,84,196.05
4120,758.3617,876.882,881.473,66,319.16
4220,758.3618,010.962,747.393,48,308.20
4320,758.3618,146.042,612.313,30,162.16
4420,758.3618,282.142,476.223,11,880.02
4520,758.3618,419.262,339.102,93,460.76
4620,758.3618,557.402,200.962,74,903.36
4720,758.3618,696.582,061.782,56,206.78
4820,758.3618,836.801,921.552,37,369.98
4920,758.3618,978.081,780.272,18,391.90
5020,758.3619,120.421,637.941,99,271.48
5120,758.3619,263.821,494.541,80,007.66
5220,758.3619,408.301,350.061,60,599.37
5320,758.3619,553.861,204.501,41,045.51
5420,758.3619,700.511,057.841,21,344.99
5520,758.3619,848.27910.091,01,496.72
5620,758.3619,997.13761.2381,499.59
5720,758.3620,147.11611.2561,352.49
5820,758.3620,298.21460.1441,054.27
5920,758.3620,450.45307.9120,603.83
6020,758.3620,603.83154.530.00
Total12,45,501.3110,00,000.002,45,501.310.00

How EMI is calculated

EMI stands for equated monthly instalment. It is the fixed amount you pay each month, made up of part interest and part principal. The formula uses the loan amount, the monthly interest rate, and the number of months. Early instalments are mostly interest, and later ones are mostly principal, but the EMI stays the same throughout.

This is an estimate. Your lender may add processing fees, insurance, or a different compounding method.

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