EMI Calculator

 Calculate EMI (Equated Monthly Instalment) for a fixed rate loan spanned across years with annual and monthly amortization tables.
You can calculate principal and interest components for financial years which are useful for tax calculations.


Loan Parameters
Loan Amount
₹
Interest rate
%
Loan term
years
EMI Date
Repayment Details

Loan Amount = ₹ 10,00,000

EMI = ₹ 13,215

Total Interest = ₹ 5,85,809

Total Payments = ₹ 15,85,809

Periods = 120 months

Last EMI Date = 21-October-2034

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 ₹ 1,58,581 ₹ 97,239 ₹ 61,342 ₹ 9,38,658
November-2024 13,215 8,333 4,882 9,95,118
December-2024 13,215 8,293 4,922 9,90,196
January-2025 13,215 8,252 4,963 9,85,232
February-2025 13,215 8,210 5,005 9,80,228
March-2025 13,215 8,169 5,047 9,75,181
April-2025 13,215 8,127 5,089 9,70,093
May-2025 13,215 8,084 5,131 9,64,962
June-2025 13,215 8,041 5,174 9,59,788
July-2025 13,215 7,998 5,217 9,54,571
August-2025 13,215 7,955 5,260 9,49,311
September-2025 13,215 7,911 5,304 9,44,007
October-2025 13,215 7,867 5,348 9,38,658
  2 ₹ 1,58,581 ₹ 90,816 ₹ 67,765 ₹ 8,70,893
November-2025 13,215 7,822 5,393 9,33,265
December-2025 13,215 7,777 5,438 9,27,827
January-2026 13,215 7,732 5,483 9,22,344
February-2026 13,215 7,686 5,529 9,16,815
March-2026 13,215 7,640 5,575 9,11,240
April-2026 13,215 7,594 5,621 9,05,619
May-2026 13,215 7,547 5,668 8,99,951
June-2026 13,215 7,500 5,715 8,94,235
July-2026 13,215 7,452 5,763 8,88,472
August-2026 13,215 7,404 5,811 8,82,661
September-2026 13,215 7,356 5,860 8,76,801
October-2026 13,215 7,307 5,908 8,70,893
  3 ₹ 1,58,581 ₹ 83,720 ₹ 74,861 ₹ 7,96,032
November-2026 13,215 7,257 5,958 8,64,935
December-2026 13,215 7,208 6,007 8,58,928
January-2027 13,215 7,158 6,057 8,52,871
February-2027 13,215 7,107 6,108 8,46,763
March-2027 13,215 7,056 6,159 8,40,604
April-2027 13,215 7,005 6,210 8,34,394
May-2027 13,215 6,953 6,262 8,28,132
June-2027 13,215 6,901 6,314 8,21,818
July-2027 13,215 6,848 6,367 8,15,452
August-2027 13,215 6,795 6,420 8,09,032
September-2027 13,215 6,742 6,473 8,02,559
October-2027 13,215 6,688 6,527 7,96,032
  4 ₹ 1,58,581 ₹ 75,881 ₹ 82,700 ₹ 7,13,332
November-2027 13,215 6,634 6,581 7,89,451
December-2027 13,215 6,579 6,636 7,82,814
January-2028 13,215 6,523 6,692 7,76,123
February-2028 13,215 6,468 6,747 7,69,375
March-2028 13,215 6,411 6,804 7,62,572
April-2028 13,215 6,355 6,860 7,55,711
May-2028 13,215 6,298 6,917 7,48,794
June-2028 13,215 6,240 6,975 7,41,819
July-2028 13,215 6,182 7,033 7,34,785
August-2028 13,215 6,123 7,092 7,27,694
September-2028 13,215 6,064 7,151 7,20,543
October-2028 13,215 6,005 7,211 7,13,332
  5 ₹ 1,58,581 ₹ 67,221 ₹ 91,360 ₹ 6,21,972
November-2028 13,215 5,944 7,271 7,06,061
December-2028 13,215 5,884 7,331 6,98,730
January-2029 13,215 5,823 7,392 6,91,338
February-2029 13,215 5,761 7,454 6,83,884
March-2029 13,215 5,699 7,516 6,76,368
April-2029 13,215 5,636 7,579 6,68,789
May-2029 13,215 5,573 7,642 6,61,147
June-2029 13,215 5,510 7,706 6,53,442
July-2029 13,215 5,445 7,770 6,45,672
August-2029 13,215 5,381 7,834 6,37,838
September-2029 13,215 5,315 7,900 6,29,938
October-2029 13,215 5,249 7,966 6,21,972
  6 ₹ 1,58,581 ₹ 57,655 ₹ 1,00,926 ₹ 5,21,046
November-2029 13,215 5,183 8,032 6,13,940
December-2029 13,215 5,116 8,099 6,05,841
January-2030 13,215 5,049 8,166 5,97,675
February-2030 13,215 4,981 8,234 5,89,441
March-2030 13,215 4,912 8,303 5,81,138
April-2030 13,215 4,843 8,372 5,72,765
May-2030 13,215 4,773 8,442 5,64,323
June-2030 13,215 4,703 8,512 5,55,811
July-2030 13,215 4,632 8,583 5,47,228
August-2030 13,215 4,560 8,655 5,38,573
September-2030 13,215 4,488 8,727 5,29,846
October-2030 13,215 4,415 8,800 5,21,046
  7 ₹ 1,58,581 ₹ 47,086 ₹ 1,11,495 ₹ 4,09,551
November-2030 13,215 4,342 8,873 5,12,173
December-2030 13,215 4,268 8,947 5,03,226
January-2031 13,215 4,194 9,022 4,94,205
February-2031 13,215 4,118 9,097 4,85,108
March-2031 13,215 4,043 9,173 4,75,935
April-2031 13,215 3,966 9,249 4,66,686
May-2031 13,215 3,889 9,326 4,57,360
June-2031 13,215 3,811 9,404 4,47,957
July-2031 13,215 3,733 9,482 4,38,475
August-2031 13,215 3,654 9,561 4,28,913
September-2031 13,215 3,574 9,641 4,19,273
October-2031 13,215 3,494 9,721 4,09,551
  8 ₹ 1,58,581 ₹ 35,411 ₹ 1,23,170 ₹ 2,86,382
November-2031 13,215 3,413 9,802 3,99,749
December-2031 13,215 3,331 9,884 3,89,865
January-2032 13,215 3,249 9,966 3,79,899
February-2032 13,215 3,166 10,049 3,69,850
March-2032 13,215 3,082 10,133 3,59,717
April-2032 13,215 2,998 10,217 3,49,500
May-2032 13,215 2,912 10,303 3,39,197
June-2032 13,215 2,827 10,388 3,28,809
July-2032 13,215 2,740 10,475 3,18,334
August-2032 13,215 2,653 10,562 3,07,771
September-2032 13,215 2,565 10,650 2,97,121
October-2032 13,215 2,476 10,739 2,86,382
  9 ₹ 1,58,581 ₹ 22,514 ₹ 1,36,067 ₹ 1,50,315
November-2032 13,215 2,387 10,829 2,75,553
December-2032 13,215 2,296 10,919 2,64,635
January-2033 13,215 2,205 11,010 2,53,625
February-2033 13,215 2,114 11,102 2,42,523
March-2033 13,215 2,021 11,194 2,31,329
April-2033 13,215 1,928 11,287 2,20,042
May-2033 13,215 1,834 11,381 2,08,661
June-2033 13,215 1,739 11,476 1,97,184
July-2033 13,215 1,643 11,572 1,85,612
August-2033 13,215 1,547 11,668 1,73,944
September-2033 13,215 1,450 11,766 1,62,179
October-2033 13,215 1,351 11,864 1,50,315
  10 ₹ 1,58,581 ₹ 8,266 ₹ 1,50,315 ₹ 0
November-2033 13,215 1,253 11,962 1,38,353
December-2033 13,215 1,153 12,062 1,26,290
January-2034 13,215 1,052 12,163 1,14,128
February-2034 13,215 951 12,264 1,01,864
March-2034 13,215 849 12,366 89,498
April-2034 13,215 746 12,469 77,028
May-2034 13,215 642 12,573 64,455
June-2034 13,215 537 12,678 51,777
July-2034 13,215 431 12,784 38,994
August-2034 13,215 325 12,890 26,103
September-2034 13,215 218 12,998 13,106
October-2034 13,215 109 13,106 0

Flat Rate EMI Calculator
Calculate EMI for a flat rate loan with annual and monthly amortization tables
Loan Amount ₹
Loan Term    years
Flat Rate   %


Reducing Balance EMI Calculator
Calculate EMI for loan with Reducing Balance Interest Rate method. Also check annual and monthly amortization tables.
Loan Amount  ₹ 
Loan Term     years
Interest Rate %



Flat -vs- Reducing Balance Interest Rate
Check the EMI Calculations for Flat vs Reducing Balance Interest Rate
Loan Amount      ₹   
Loan Term       years
Flat Rate                   %
Reducing Balance Rate %


Convert Flat to Reducing Balance Interest Rate
This tool finds the effective interest rate for a flat rate interest loan.
Loan Amount      ₹   
Loan Term       years
Flat Interest Rate %
EMI Moratorium Calculations
Compare Calculations after EMI Moratorium. Use these calculations to get approximate picture of the impact of EMI Diferment.
Loan Amount  ₹ 
Loan Term     months
Interest Rate %
Moratorium Period months



Compare EMI Calculations
Compare EMI calculations for 2 interest rates. See how EMI and total interest amount change for different interest rates and the same loan amount and tenure. Useful when bank interest rates are changes for existing loans.
Loan Amount  ₹ 
Loan Term     years
Interest Rate 1 %
Interest Rate 2 %



Flat Rate EMI Calculator | Reducing EMI Calculator | Flat -vs- Reducing Balance Interest Rate
Convert Flat to Reducing Balance Interest Rate | Compare EMI Calculations | EMI Moratorium Calculations

Copyright © 2024 EMI-Calc.com

About | Contact | Widgets | Privacy Policy | Disclaimer