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 = 25-May-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
June-2025 13,215 8,333 4,882 9,95,118
July-2025 13,215 8,293 4,922 9,90,196
August-2025 13,215 8,252 4,963 9,85,232
September-2025 13,215 8,210 5,005 9,80,228
October-2025 13,215 8,169 5,047 9,75,181
November-2025 13,215 8,127 5,089 9,70,093
December-2025 13,215 8,084 5,131 9,64,962
January-2026 13,215 8,041 5,174 9,59,788
February-2026 13,215 7,998 5,217 9,54,571
March-2026 13,215 7,955 5,260 9,49,311
April-2026 13,215 7,911 5,304 9,44,007
May-2026 13,215 7,867 5,348 9,38,658
  2 ₹ 1,58,581 ₹ 90,816 ₹ 67,765 ₹ 8,70,893
June-2026 13,215 7,822 5,393 9,33,265
July-2026 13,215 7,777 5,438 9,27,827
August-2026 13,215 7,732 5,483 9,22,344
September-2026 13,215 7,686 5,529 9,16,815
October-2026 13,215 7,640 5,575 9,11,240
November-2026 13,215 7,594 5,621 9,05,619
December-2026 13,215 7,547 5,668 8,99,951
January-2027 13,215 7,500 5,715 8,94,235
February-2027 13,215 7,452 5,763 8,88,472
March-2027 13,215 7,404 5,811 8,82,661
April-2027 13,215 7,356 5,860 8,76,801
May-2027 13,215 7,307 5,908 8,70,893
  3 ₹ 1,58,581 ₹ 83,720 ₹ 74,861 ₹ 7,96,032
June-2027 13,215 7,257 5,958 8,64,935
July-2027 13,215 7,208 6,007 8,58,928
August-2027 13,215 7,158 6,057 8,52,871
September-2027 13,215 7,107 6,108 8,46,763
October-2027 13,215 7,056 6,159 8,40,604
November-2027 13,215 7,005 6,210 8,34,394
December-2027 13,215 6,953 6,262 8,28,132
January-2028 13,215 6,901 6,314 8,21,818
February-2028 13,215 6,848 6,367 8,15,452
March-2028 13,215 6,795 6,420 8,09,032
April-2028 13,215 6,742 6,473 8,02,559
May-2028 13,215 6,688 6,527 7,96,032
  4 ₹ 1,58,581 ₹ 75,881 ₹ 82,700 ₹ 7,13,332
June-2028 13,215 6,634 6,581 7,89,451
July-2028 13,215 6,579 6,636 7,82,814
August-2028 13,215 6,523 6,692 7,76,123
September-2028 13,215 6,468 6,747 7,69,375
October-2028 13,215 6,411 6,804 7,62,572
November-2028 13,215 6,355 6,860 7,55,711
December-2028 13,215 6,298 6,917 7,48,794
January-2029 13,215 6,240 6,975 7,41,819
February-2029 13,215 6,182 7,033 7,34,785
March-2029 13,215 6,123 7,092 7,27,694
April-2029 13,215 6,064 7,151 7,20,543
May-2029 13,215 6,005 7,211 7,13,332
  5 ₹ 1,58,581 ₹ 67,221 ₹ 91,360 ₹ 6,21,972
June-2029 13,215 5,944 7,271 7,06,061
July-2029 13,215 5,884 7,331 6,98,730
August-2029 13,215 5,823 7,392 6,91,338
September-2029 13,215 5,761 7,454 6,83,884
October-2029 13,215 5,699 7,516 6,76,368
November-2029 13,215 5,636 7,579 6,68,789
December-2029 13,215 5,573 7,642 6,61,147
January-2030 13,215 5,510 7,706 6,53,442
February-2030 13,215 5,445 7,770 6,45,672
March-2030 13,215 5,381 7,834 6,37,838
April-2030 13,215 5,315 7,900 6,29,938
May-2030 13,215 5,249 7,966 6,21,972
  6 ₹ 1,58,581 ₹ 57,655 ₹ 1,00,926 ₹ 5,21,046
June-2030 13,215 5,183 8,032 6,13,940
July-2030 13,215 5,116 8,099 6,05,841
August-2030 13,215 5,049 8,166 5,97,675
September-2030 13,215 4,981 8,234 5,89,441
October-2030 13,215 4,912 8,303 5,81,138
November-2030 13,215 4,843 8,372 5,72,765
December-2030 13,215 4,773 8,442 5,64,323
January-2031 13,215 4,703 8,512 5,55,811
February-2031 13,215 4,632 8,583 5,47,228
March-2031 13,215 4,560 8,655 5,38,573
April-2031 13,215 4,488 8,727 5,29,846
May-2031 13,215 4,415 8,800 5,21,046
  7 ₹ 1,58,581 ₹ 47,086 ₹ 1,11,495 ₹ 4,09,551
June-2031 13,215 4,342 8,873 5,12,173
July-2031 13,215 4,268 8,947 5,03,226
August-2031 13,215 4,194 9,022 4,94,205
September-2031 13,215 4,118 9,097 4,85,108
October-2031 13,215 4,043 9,173 4,75,935
November-2031 13,215 3,966 9,249 4,66,686
December-2031 13,215 3,889 9,326 4,57,360
January-2032 13,215 3,811 9,404 4,47,957
February-2032 13,215 3,733 9,482 4,38,475
March-2032 13,215 3,654 9,561 4,28,913
April-2032 13,215 3,574 9,641 4,19,273
May-2032 13,215 3,494 9,721 4,09,551
  8 ₹ 1,58,581 ₹ 35,411 ₹ 1,23,170 ₹ 2,86,382
June-2032 13,215 3,413 9,802 3,99,749
July-2032 13,215 3,331 9,884 3,89,865
August-2032 13,215 3,249 9,966 3,79,899
September-2032 13,215 3,166 10,049 3,69,850
October-2032 13,215 3,082 10,133 3,59,717
November-2032 13,215 2,998 10,217 3,49,500
December-2032 13,215 2,912 10,303 3,39,197
January-2033 13,215 2,827 10,388 3,28,809
February-2033 13,215 2,740 10,475 3,18,334
March-2033 13,215 2,653 10,562 3,07,771
April-2033 13,215 2,565 10,650 2,97,121
May-2033 13,215 2,476 10,739 2,86,382
  9 ₹ 1,58,581 ₹ 22,514 ₹ 1,36,067 ₹ 1,50,315
June-2033 13,215 2,387 10,829 2,75,553
July-2033 13,215 2,296 10,919 2,64,635
August-2033 13,215 2,205 11,010 2,53,625
September-2033 13,215 2,114 11,102 2,42,523
October-2033 13,215 2,021 11,194 2,31,329
November-2033 13,215 1,928 11,287 2,20,042
December-2033 13,215 1,834 11,381 2,08,661
January-2034 13,215 1,739 11,476 1,97,184
February-2034 13,215 1,643 11,572 1,85,612
March-2034 13,215 1,547 11,668 1,73,944
April-2034 13,215 1,450 11,766 1,62,179
May-2034 13,215 1,351 11,864 1,50,315
  10 ₹ 1,58,581 ₹ 8,266 ₹ 1,50,315 ₹ 0
June-2034 13,215 1,253 11,962 1,38,353
July-2034 13,215 1,153 12,062 1,26,290
August-2034 13,215 1,052 12,163 1,14,128
September-2034 13,215 951 12,264 1,01,864
October-2034 13,215 849 12,366 89,498
November-2034 13,215 746 12,469 77,028
December-2034 13,215 642 12,573 64,455
January-2035 13,215 537 12,678 51,777
February-2035 13,215 431 12,784 38,994
March-2035 13,215 325 12,890 26,103
April-2035 13,215 218 12,998 13,106
May-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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