EMI calculator
Calculate your loan EMI with a full amortisation schedule and see how monthly prepayments cut interest and tenure.
Yearly amortisation schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹19,902 | ₹84,236 | ₹980,098 |
| 2 | ₹21,661 | ₹82,477 | ₹958,436 |
| 3 | ₹23,576 | ₹80,563 | ₹934,860 |
| 4 | ₹25,660 | ₹78,479 | ₹909,200 |
| 5 | ₹27,928 | ₹76,211 | ₹881,272 |
| 6 | ₹30,397 | ₹73,742 | ₹850,875 |
| 7 | ₹33,084 | ₹71,055 | ₹817,791 |
| 8 | ₹36,008 | ₹68,131 | ₹781,784 |
| 9 | ₹39,191 | ₹64,948 | ₹742,593 |
| 10 | ₹42,655 | ₹61,484 | ₹699,938 |
| 11 | ₹46,425 | ₹57,714 | ₹653,513 |
| 12 | ₹50,529 | ₹53,610 | ₹602,985 |
| 13 | ₹54,995 | ₹49,144 | ₹547,990 |
| 14 | ₹59,856 | ₹44,283 | ₹488,134 |
| 15 | ₹65,147 | ₹38,992 | ₹422,987 |
| 16 | ₹70,905 | ₹33,234 | ₹352,082 |
| 17 | ₹77,172 | ₹26,966 | ₹274,910 |
| 18 | ₹83,994 | ₹20,145 | ₹190,916 |
| 19 | ₹91,418 | ₹12,721 | ₹99,498 |
| 20 | ₹99,498 | ₹4,640 | ₹0 |
Estimates a standard reducing-balance loan. Actual figures vary with fees, rounding and payment dates.
How to use
EMI calculator lets you calculate your loan EMI with a full amortisation schedule and see how monthly prepayments cut interest and tenure. Enter your numbers in the fields and the result updates instantly as you type — no button to press.
It uses standard formulas and shows the result immediately; you can copy any value with one click. It's completely free, with no sign-up, no watermarks and no limits on how often you use it.
Examples
Change any input and every figure recalculates live, so you can compare scenarios in seconds.
Once eMI calculator shows your output, use the copy or download button to grab it — no retyping.
Frequently asked questions
Is EMI calculator free to use?
Yes. EMI calculator is completely free with no sign-up, no watermarks and no usage limits.
Is my data private?
Yes. It uses standard formulas and shows the result immediately; you can copy any value with one click.
Does EMI calculator work on mobile?
Yes. It works in any modern browser on desktop, tablet or phone, and keeps working offline once the page has loaded.
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