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 = 22-January-2035

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 ₹ 1,58,581 ₹ 97,239 ₹ 61,342 ₹ 9,38,658
February-2025 13,215 8,333 4,882 9,95,118
March-2025 13,215 8,293 4,922 9,90,196
April-2025 13,215 8,252 4,963 9,85,232
May-2025 13,215 8,210 5,005 9,80,228
June-2025 13,215 8,169 5,047 9,75,181
July-2025 13,215 8,127 5,089 9,70,093
August-2025 13,215 8,084 5,131 9,64,962
September-2025 13,215 8,041 5,174 9,59,788
October-2025 13,215 7,998 5,217 9,54,571
November-2025 13,215 7,955 5,260 9,49,311
December-2025 13,215 7,911 5,304 9,44,007
January-2026 13,215 7,867 5,348 9,38,658
  2 ₹ 1,58,581 ₹ 90,816 ₹ 67,765 ₹ 8,70,893
February-2026 13,215 7,822 5,393 9,33,265
March-2026 13,215 7,777 5,438 9,27,827
April-2026 13,215 7,732 5,483 9,22,344
May-2026 13,215 7,686 5,529 9,16,815
June-2026 13,215 7,640 5,575 9,11,240
July-2026 13,215 7,594 5,621 9,05,619
August-2026 13,215 7,547 5,668 8,99,951
September-2026 13,215 7,500 5,715 8,94,235
October-2026 13,215 7,452 5,763 8,88,472
November-2026 13,215 7,404 5,811 8,82,661
December-2026 13,215 7,356 5,860 8,76,801
January-2027 13,215 7,307 5,908 8,70,893
  3 ₹ 1,58,581 ₹ 83,720 ₹ 74,861 ₹ 7,96,032
February-2027 13,215 7,257 5,958 8,64,935
March-2027 13,215 7,208 6,007 8,58,928
April-2027 13,215 7,158 6,057 8,52,871
May-2027 13,215 7,107 6,108 8,46,763
June-2027 13,215 7,056 6,159 8,40,604
July-2027 13,215 7,005 6,210 8,34,394
August-2027 13,215 6,953 6,262 8,28,132
September-2027 13,215 6,901 6,314 8,21,818
October-2027 13,215 6,848 6,367 8,15,452
November-2027 13,215 6,795 6,420 8,09,032
December-2027 13,215 6,742 6,473 8,02,559
January-2028 13,215 6,688 6,527 7,96,032
  4 ₹ 1,58,581 ₹ 75,881 ₹ 82,700 ₹ 7,13,332
February-2028 13,215 6,634 6,581 7,89,451
March-2028 13,215 6,579 6,636 7,82,814
April-2028 13,215 6,523 6,692 7,76,123
May-2028 13,215 6,468 6,747 7,69,375
June-2028 13,215 6,411 6,804 7,62,572
July-2028 13,215 6,355 6,860 7,55,711
August-2028 13,215 6,298 6,917 7,48,794
September-2028 13,215 6,240 6,975 7,41,819
October-2028 13,215 6,182 7,033 7,34,785
November-2028 13,215 6,123 7,092 7,27,694
December-2028 13,215 6,064 7,151 7,20,543
January-2029 13,215 6,005 7,211 7,13,332
  5 ₹ 1,58,581 ₹ 67,221 ₹ 91,360 ₹ 6,21,972
February-2029 13,215 5,944 7,271 7,06,061
March-2029 13,215 5,884 7,331 6,98,730
April-2029 13,215 5,823 7,392 6,91,338
May-2029 13,215 5,761 7,454 6,83,884
June-2029 13,215 5,699 7,516 6,76,368
July-2029 13,215 5,636 7,579 6,68,789
August-2029 13,215 5,573 7,642 6,61,147
September-2029 13,215 5,510 7,706 6,53,442
October-2029 13,215 5,445 7,770 6,45,672
November-2029 13,215 5,381 7,834 6,37,838
December-2029 13,215 5,315 7,900 6,29,938
January-2030 13,215 5,249 7,966 6,21,972
  6 ₹ 1,58,581 ₹ 57,655 ₹ 1,00,926 ₹ 5,21,046
February-2030 13,215 5,183 8,032 6,13,940
March-2030 13,215 5,116 8,099 6,05,841
April-2030 13,215 5,049 8,166 5,97,675
May-2030 13,215 4,981 8,234 5,89,441
June-2030 13,215 4,912 8,303 5,81,138
July-2030 13,215 4,843 8,372 5,72,765
August-2030 13,215 4,773 8,442 5,64,323
September-2030 13,215 4,703 8,512 5,55,811
October-2030 13,215 4,632 8,583 5,47,228
November-2030 13,215 4,560 8,655 5,38,573
December-2030 13,215 4,488 8,727 5,29,846
January-2031 13,215 4,415 8,800 5,21,046
  7 ₹ 1,58,581 ₹ 47,086 ₹ 1,11,495 ₹ 4,09,551
February-2031 13,215 4,342 8,873 5,12,173
March-2031 13,215 4,268 8,947 5,03,226
April-2031 13,215 4,194 9,022 4,94,205
May-2031 13,215 4,118 9,097 4,85,108
June-2031 13,215 4,043 9,173 4,75,935
July-2031 13,215 3,966 9,249 4,66,686
August-2031 13,215 3,889 9,326 4,57,360
September-2031 13,215 3,811 9,404 4,47,957
October-2031 13,215 3,733 9,482 4,38,475
November-2031 13,215 3,654 9,561 4,28,913
December-2031 13,215 3,574 9,641 4,19,273
January-2032 13,215 3,494 9,721 4,09,551
  8 ₹ 1,58,581 ₹ 35,411 ₹ 1,23,170 ₹ 2,86,382
February-2032 13,215 3,413 9,802 3,99,749
March-2032 13,215 3,331 9,884 3,89,865
April-2032 13,215 3,249 9,966 3,79,899
May-2032 13,215 3,166 10,049 3,69,850
June-2032 13,215 3,082 10,133 3,59,717
July-2032 13,215 2,998 10,217 3,49,500
August-2032 13,215 2,912 10,303 3,39,197
September-2032 13,215 2,827 10,388 3,28,809
October-2032 13,215 2,740 10,475 3,18,334
November-2032 13,215 2,653 10,562 3,07,771
December-2032 13,215 2,565 10,650 2,97,121
January-2033 13,215 2,476 10,739 2,86,382
  9 ₹ 1,58,581 ₹ 22,514 ₹ 1,36,067 ₹ 1,50,315
February-2033 13,215 2,387 10,829 2,75,553
March-2033 13,215 2,296 10,919 2,64,635
April-2033 13,215 2,205 11,010 2,53,625
May-2033 13,215 2,114 11,102 2,42,523
June-2033 13,215 2,021 11,194 2,31,329
July-2033 13,215 1,928 11,287 2,20,042
August-2033 13,215 1,834 11,381 2,08,661
September-2033 13,215 1,739 11,476 1,97,184
October-2033 13,215 1,643 11,572 1,85,612
November-2033 13,215 1,547 11,668 1,73,944
December-2033 13,215 1,450 11,766 1,62,179
January-2034 13,215 1,351 11,864 1,50,315
  10 ₹ 1,58,581 ₹ 8,266 ₹ 1,50,315 ₹ 0
February-2034 13,215 1,253 11,962 1,38,353
March-2034 13,215 1,153 12,062 1,26,290
April-2034 13,215 1,052 12,163 1,14,128
May-2034 13,215 951 12,264 1,01,864
June-2034 13,215 849 12,366 89,498
July-2034 13,215 746 12,469 77,028
August-2034 13,215 642 12,573 64,455
September-2034 13,215 537 12,678 51,777
October-2034 13,215 431 12,784 38,994
November-2034 13,215 325 12,890 26,103
December-2034 13,215 218 12,998 13,106
January-2035 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

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