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