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Home / EMI Calculator

EMI Calculator

Work out your monthly instalment, the total interest you'll pay, and how the balance unwinds year by year. Everything runs in your browser — nothing is sent anywhere.

₹50,00,000
₹1 L₹5 Cr
8.5%
1%24%
20 years
1 yr30 yrs
Tip: drop the tenure by five years and watch the total interest figure move. On a long loan, tenure costs more than a small difference in rate.

Year-by-year breakdown

Year Principal paid Interest paid Balance
Monthly EMI ₹43,391
50% interest
Principal Interest
Principal amount₹50,00,000
Total interest₹54,13,879
Number of instalments240
Total payable₹1,04,13,879
How the EMI is calculated. EMI = P × r × (1+r)n ÷ ((1+r)n − 1), where P is the principal, r is the monthly interest rate (annual ÷ 12 ÷ 100) and n is the number of monthly instalments. Results are indicative and exclude processing fees, insurance and any rate resets on a floating-rate loan. Confirm the final figure with your lender.

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