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 Amount
Interest rate
%
Loan term
years
EMI Date

Total Payments = ₹ 15,85,809

Last EMI Date = 28-April-2033

Amortization Table
Year Total Payment Interest Principal Balance
1 ₹ 1,58,581 ₹ 97,239 ₹ 61,342 ₹ 9,38,658
 May-2023 13,215 8,333 4,882 9,95,118 June-2023 13,215 8,293 4,922 9,90,196 July-2023 13,215 8,252 4,963 9,85,232 August-2023 13,215 8,210 5,005 9,80,228 September-2023 13,215 8,169 5,047 9,75,181 October-2023 13,215 8,127 5,089 9,70,093 November-2023 13,215 8,084 5,131 9,64,962 December-2023 13,215 8,041 5,174 9,59,788 January-2024 13,215 7,998 5,217 9,54,571 February-2024 13,215 7,955 5,260 9,49,311 March-2024 13,215 7,911 5,304 9,44,007 April-2024 13,215 7,867 5,348 9,38,658
2 ₹ 1,58,581 ₹ 90,816 ₹ 67,765 ₹ 8,70,893
 May-2024 13,215 7,822 5,393 9,33,265 June-2024 13,215 7,777 5,438 9,27,827 July-2024 13,215 7,732 5,483 9,22,344 August-2024 13,215 7,686 5,529 9,16,815 September-2024 13,215 7,640 5,575 9,11,240 October-2024 13,215 7,594 5,621 9,05,619 November-2024 13,215 7,547 5,668 8,99,951 December-2024 13,215 7,500 5,715 8,94,235 January-2025 13,215 7,452 5,763 8,88,472 February-2025 13,215 7,404 5,811 8,82,661 March-2025 13,215 7,356 5,860 8,76,801 April-2025 13,215 7,307 5,908 8,70,893
3 ₹ 1,58,581 ₹ 83,720 ₹ 74,861 ₹ 7,96,032
 May-2025 13,215 7,257 5,958 8,64,935 June-2025 13,215 7,208 6,007 8,58,928 July-2025 13,215 7,158 6,057 8,52,871 August-2025 13,215 7,107 6,108 8,46,763 September-2025 13,215 7,056 6,159 8,40,604 October-2025 13,215 7,005 6,210 8,34,394 November-2025 13,215 6,953 6,262 8,28,132 December-2025 13,215 6,901 6,314 8,21,818 January-2026 13,215 6,848 6,367 8,15,452 February-2026 13,215 6,795 6,420 8,09,032 March-2026 13,215 6,742 6,473 8,02,559 April-2026 13,215 6,688 6,527 7,96,032
4 ₹ 1,58,581 ₹ 75,881 ₹ 82,700 ₹ 7,13,332
 May-2026 13,215 6,634 6,581 7,89,451 June-2026 13,215 6,579 6,636 7,82,814 July-2026 13,215 6,523 6,692 7,76,123 August-2026 13,215 6,468 6,747 7,69,375 September-2026 13,215 6,411 6,804 7,62,572 October-2026 13,215 6,355 6,860 7,55,711 November-2026 13,215 6,298 6,917 7,48,794 December-2026 13,215 6,240 6,975 7,41,819 January-2027 13,215 6,182 7,033 7,34,785 February-2027 13,215 6,123 7,092 7,27,694 March-2027 13,215 6,064 7,151 7,20,543 April-2027 13,215 6,005 7,211 7,13,332
5 ₹ 1,58,581 ₹ 67,221 ₹ 91,360 ₹ 6,21,972
 May-2027 13,215 5,944 7,271 7,06,061 June-2027 13,215 5,884 7,331 6,98,730 July-2027 13,215 5,823 7,392 6,91,338 August-2027 13,215 5,761 7,454 6,83,884 September-2027 13,215 5,699 7,516 6,76,368 October-2027 13,215 5,636 7,579 6,68,789 November-2027 13,215 5,573 7,642 6,61,147 December-2027 13,215 5,510 7,706 6,53,442 January-2028 13,215 5,445 7,770 6,45,672 February-2028 13,215 5,381 7,834 6,37,838 March-2028 13,215 5,315 7,900 6,29,938 April-2028 13,215 5,249 7,966 6,21,972
6 ₹ 1,58,581 ₹ 57,655 ₹ 1,00,926 ₹ 5,21,046
 May-2028 13,215 5,183 8,032 6,13,940 June-2028 13,215 5,116 8,099 6,05,841 July-2028 13,215 5,049 8,166 5,97,675 August-2028 13,215 4,981 8,234 5,89,441 September-2028 13,215 4,912 8,303 5,81,138 October-2028 13,215 4,843 8,372 5,72,765 November-2028 13,215 4,773 8,442 5,64,323 December-2028 13,215 4,703 8,512 5,55,811 January-2029 13,215 4,632 8,583 5,47,228 February-2029 13,215 4,560 8,655 5,38,573 March-2029 13,215 4,488 8,727 5,29,846 April-2029 13,215 4,415 8,800 5,21,046
7 ₹ 1,58,581 ₹ 47,086 ₹ 1,11,495 ₹ 4,09,551
 May-2029 13,215 4,342 8,873 5,12,173 June-2029 13,215 4,268 8,947 5,03,226 July-2029 13,215 4,194 9,022 4,94,205 August-2029 13,215 4,118 9,097 4,85,108 September-2029 13,215 4,043 9,173 4,75,935 October-2029 13,215 3,966 9,249 4,66,686 November-2029 13,215 3,889 9,326 4,57,360 December-2029 13,215 3,811 9,404 4,47,957 January-2030 13,215 3,733 9,482 4,38,475 February-2030 13,215 3,654 9,561 4,28,913 March-2030 13,215 3,574 9,641 4,19,273 April-2030 13,215 3,494 9,721 4,09,551
8 ₹ 1,58,581 ₹ 35,411 ₹ 1,23,170 ₹ 2,86,382
 May-2030 13,215 3,413 9,802 3,99,749 June-2030 13,215 3,331 9,884 3,89,865 July-2030 13,215 3,249 9,966 3,79,899 August-2030 13,215 3,166 10,049 3,69,850 September-2030 13,215 3,082 10,133 3,59,717 October-2030 13,215 2,998 10,217 3,49,500 November-2030 13,215 2,912 10,303 3,39,197 December-2030 13,215 2,827 10,388 3,28,809 January-2031 13,215 2,740 10,475 3,18,334 February-2031 13,215 2,653 10,562 3,07,771 March-2031 13,215 2,565 10,650 2,97,121 April-2031 13,215 2,476 10,739 2,86,382
9 ₹ 1,58,581 ₹ 22,514 ₹ 1,36,067 ₹ 1,50,315
 May-2031 13,215 2,387 10,829 2,75,553 June-2031 13,215 2,296 10,919 2,64,635 July-2031 13,215 2,205 11,010 2,53,625 August-2031 13,215 2,114 11,102 2,42,523 September-2031 13,215 2,021 11,194 2,31,329 October-2031 13,215 1,928 11,287 2,20,042 November-2031 13,215 1,834 11,381 2,08,661 December-2031 13,215 1,739 11,476 1,97,184 January-2032 13,215 1,643 11,572 1,85,612 February-2032 13,215 1,547 11,668 1,73,944 March-2032 13,215 1,450 11,766 1,62,179 April-2032 13,215 1,351 11,864 1,50,315
10 ₹ 1,58,581 ₹ 8,266 ₹ 1,50,315 ₹ 0
 May-2032 13,215 1,253 11,962 1,38,353 June-2032 13,215 1,153 12,062 1,26,290 July-2032 13,215 1,052 12,163 1,14,128 August-2032 13,215 951 12,264 1,01,864 September-2032 13,215 849 12,366 89,498 October-2032 13,215 746 12,469 77,028 November-2032 13,215 642 12,573 64,455 December-2032 13,215 537 12,678 51,777 January-2033 13,215 431 12,784 38,994 February-2033 13,215 325 12,890 26,103 March-2033 13,215 218 12,998 13,106 April-2033 13,215 109 13,106 0

EMI Calculator
 Calculate EMI (Equated Monthly Installment) for a fixed rate loan spanned across years with annual and monthly amortization tables. Loan Amount  ₹ Loan Term     years Interest Rate %
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Flat Rate EMI Calculator
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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
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 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 %