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EMI & Loan Calculator

Estimate monthly payments, total interest and early payoff with extra payments and a downloadable schedule.

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Loan amountAnnual interest (%)Term (months)Extra payment / monthCurrency label

Monthly EMI: ₹10,379.18
Total interest: ₹1,22,750.59
Total repayment: ₹6,22,750.59
Payoff: 60 months

Repayment schedule & CSV

Monthly reducing-balance repayments in INR
Month	Payment	Principal	Interest	Balance
1	10379.18	6629.18	3750.00	493370.82
2	10379.18	6678.90	3700.28	486691.92
3	10379.18	6728.99	3650.19	479962.93
4	10379.18	6779.46	3599.72	473183.47
5	10379.18	6830.30	3548.88	466353.17
6	10379.18	6881.53	3497.65	459471.64
7	10379.18	6933.14	3446.04	452538.50
8	10379.18	6985.14	3394.04	445553.36
9	10379.18	7037.53	3341.65	438515.83
10	10379.18	7090.31	3288.87	431425.52
11	10379.18	7143.49	3235.69	424282.03
12	10379.18	7197.06	3182.12	417084.97

Estimate for fixed-rate monthly reducing-balance loans, with payments at month-end. Extra payments apply every month. Excludes fees, insurance, taxes, daily accrual, variable rates and lender-specific rules. Currency is a label, not conversion; all schedules use two decimal places. Not a loan offer or financial advice.

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How to use EMI & Loan Calculator

Enter the principal, annual interest rate and repayment term in months.
Optionally add a recurring extra payment and choose a currency label.
Compare repayment totals and expand the monthly schedule to download CSV.

Read the detailed guide →

What are the limits of EMI & Loan Calculator?

Fixed-rate monthly reducing-balance estimate, 1–600 months and 0–60% annual interest. Amounts and monthly interest round to two decimal places; final payment adjusts. Excludes fees, taxes, insurance and lender-specific rules. Currency labels do not convert values. Not financial advice.