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 = $ 9,650

Total Interest = $ 13,16,052

Total Payments = $ 23,16,052

Periods = 240 months

Last EMI Date = 15-January-2045

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 $ 1,15,803 $ 99,255 $ 16,547 $ 9,83,453
February-2025 9,650 8,333 1,317 9,98,683
March-2025 9,650 8,322 1,328 9,97,355
April-2025 9,650 8,311 1,339 9,96,016
May-2025 9,650 8,300 1,350 9,94,666
June-2025 9,650 8,289 1,361 9,93,305
July-2025 9,650 8,278 1,373 9,91,932
August-2025 9,650 8,266 1,384 9,90,548
September-2025 9,650 8,255 1,396 9,89,152
October-2025 9,650 8,243 1,407 9,87,745
November-2025 9,650 8,231 1,419 9,86,326
December-2025 9,650 8,219 1,431 9,84,895
January-2026 9,650 8,207 1,443 9,83,453
  2 $ 1,15,803 $ 97,522 $ 18,280 $ 9,65,173
February-2026 9,650 8,195 1,455 9,81,998
March-2026 9,650 8,183 1,467 9,80,531
April-2026 9,650 8,171 1,479 9,79,052
May-2026 9,650 8,159 1,491 9,77,560
June-2026 9,650 8,146 1,504 9,76,056
July-2026 9,650 8,134 1,516 9,74,540
August-2026 9,650 8,121 1,529 9,73,011
September-2026 9,650 8,108 1,542 9,71,469
October-2026 9,650 8,096 1,555 9,69,915
November-2026 9,650 8,083 1,568 9,68,347
December-2026 9,650 8,070 1,581 9,66,766
January-2027 9,650 8,056 1,594 9,65,173
  3 $ 1,15,803 $ 95,608 $ 20,194 $ 9,44,978
February-2027 9,650 8,043 1,607 9,63,565
March-2027 9,650 8,030 1,621 9,61,945
April-2027 9,650 8,016 1,634 9,60,311
May-2027 9,650 8,003 1,648 9,58,663
June-2027 9,650 7,989 1,661 9,57,002
July-2027 9,650 7,975 1,675 9,55,327
August-2027 9,650 7,961 1,689 9,53,638
September-2027 9,650 7,947 1,703 9,51,934
October-2027 9,650 7,933 1,717 9,50,217
November-2027 9,650 7,918 1,732 9,48,485
December-2027 9,650 7,904 1,746 9,46,739
January-2028 9,650 7,889 1,761 9,44,978
  4 $ 1,15,803 $ 93,494 $ 22,309 $ 9,22,669
February-2028 9,650 7,875 1,775 9,43,203
March-2028 9,650 7,860 1,790 9,41,413
April-2028 9,650 7,845 1,805 9,39,608
May-2028 9,650 7,830 1,820 9,37,787
June-2028 9,650 7,815 1,835 9,35,952
July-2028 9,650 7,800 1,851 9,34,101
August-2028 9,650 7,784 1,866 9,32,235
September-2028 9,650 7,769 1,882 9,30,354
October-2028 9,650 7,753 1,897 9,28,457
November-2028 9,650 7,737 1,913 9,26,543
December-2028 9,650 7,721 1,929 9,24,614
January-2029 9,650 7,705 1,945 9,22,669
  5 $ 1,15,803 $ 91,158 $ 24,645 $ 8,98,024
February-2029 9,650 7,689 1,961 9,20,708
March-2029 9,650 7,673 1,978 9,18,730
April-2029 9,650 7,656 1,994 9,16,736
May-2029 9,650 7,639 2,011 9,14,726
June-2029 9,650 7,623 2,028 9,12,698
July-2029 9,650 7,606 2,044 9,10,654
August-2029 9,650 7,589 2,061 9,08,592
September-2029 9,650 7,572 2,079 9,06,514
October-2029 9,650 7,554 2,096 9,04,418
November-2029 9,650 7,537 2,113 9,02,304
December-2029 9,650 7,519 2,131 9,00,173
January-2030 9,650 7,501 2,149 8,98,024
  6 $ 1,15,803 $ 88,577 $ 27,226 $ 8,70,799
February-2030 9,650 7,484 2,167 8,95,858
March-2030 9,650 7,465 2,185 8,93,673
April-2030 9,650 7,447 2,203 8,91,470
May-2030 9,650 7,429 2,221 8,89,249
June-2030 9,650 7,410 2,240 8,87,009
July-2030 9,650 7,392 2,258 8,84,750
August-2030 9,650 7,373 2,277 8,82,473
September-2030 9,650 7,354 2,296 8,80,177
October-2030 9,650 7,335 2,315 8,77,862
November-2030 9,650 7,316 2,335 8,75,527
December-2030 9,650 7,296 2,354 8,73,173
January-2031 9,650 7,276 2,374 8,70,799
  7 $ 1,15,803 $ 85,726 $ 30,076 $ 8,40,722
February-2031 9,650 7,257 2,394 8,68,405
March-2031 9,650 7,237 2,414 8,65,992
April-2031 9,650 7,217 2,434 8,63,558
May-2031 9,650 7,196 2,454 8,61,104
June-2031 9,650 7,176 2,474 8,58,630
July-2031 9,650 7,155 2,495 8,56,135
August-2031 9,650 7,134 2,516 8,53,619
September-2031 9,650 7,113 2,537 8,51,082
October-2031 9,650 7,092 2,558 8,48,525
November-2031 9,650 7,071 2,579 8,45,945
December-2031 9,650 7,050 2,601 8,43,345
January-2032 9,650 7,028 2,622 8,40,722
  8 $ 1,15,803 $ 82,577 $ 33,226 $ 8,07,497
February-2032 9,650 7,006 2,644 8,38,078
March-2032 9,650 6,984 2,666 8,35,412
April-2032 9,650 6,962 2,688 8,32,724
May-2032 9,650 6,939 2,711 8,30,013
June-2032 9,650 6,917 2,733 8,27,279
July-2032 9,650 6,894 2,756 8,24,523
August-2032 9,650 6,871 2,779 8,21,744
September-2032 9,650 6,848 2,802 8,18,941
October-2032 9,650 6,825 2,826 8,16,116
November-2032 9,650 6,801 2,849 8,13,267
December-2032 9,650 6,777 2,873 8,10,394
January-2033 9,650 6,753 2,897 8,07,497
  9 $ 1,15,803 $ 79,098 $ 36,705 $ 7,70,792
February-2033 9,650 6,729 2,921 8,04,576
March-2033 9,650 6,705 2,945 8,01,630
April-2033 9,650 6,680 2,970 7,98,660
May-2033 9,650 6,656 2,995 7,95,665
June-2033 9,650 6,631 3,020 7,92,646
July-2033 9,650 6,605 3,045 7,89,601
August-2033 9,650 6,580 3,070 7,86,531
September-2033 9,650 6,554 3,096 7,83,435
October-2033 9,650 6,529 3,122 7,80,313
November-2033 9,650 6,503 3,148 7,77,166
December-2033 9,650 6,476 3,174 7,73,992
January-2034 9,650 6,450 3,200 7,70,792
  10 $ 1,15,803 $ 75,254 $ 40,548 $ 7,30,243
February-2034 9,650 6,423 3,227 7,67,565
March-2034 9,650 6,396 3,254 7,64,311
April-2034 9,650 6,369 3,281 7,61,030
May-2034 9,650 6,342 3,308 7,57,722
June-2034 9,650 6,314 3,336 7,54,386
July-2034 9,650 6,287 3,364 7,51,022
August-2034 9,650 6,259 3,392 7,47,630
September-2034 9,650 6,230 3,420 7,44,210
October-2034 9,650 6,202 3,448 7,40,762
November-2034 9,650 6,173 3,477 7,37,285
December-2034 9,650 6,144 3,506 7,33,779
January-2035 9,650 6,115 3,535 7,30,243
  11 $ 1,15,803 $ 71,008 $ 44,794 $ 6,85,449
February-2035 9,650 6,085 3,565 7,26,678
March-2035 9,650 6,056 3,595 7,23,084
April-2035 9,650 6,026 3,625 7,19,459
May-2035 9,650 5,995 3,655 7,15,804
June-2035 9,650 5,965 3,685 7,12,119
July-2035 9,650 5,934 3,716 7,08,403
August-2035 9,650 5,903 3,747 7,04,657
September-2035 9,650 5,872 3,778 7,00,878
October-2035 9,650 5,841 3,810 6,97,069
November-2035 9,650 5,809 3,841 6,93,228
December-2035 9,650 5,777 3,873 6,89,354
January-2036 9,650 5,745 3,906 6,85,449
  12 $ 1,15,803 $ 66,318 $ 49,485 $ 6,35,964
February-2036 9,650 5,712 3,938 6,81,511
March-2036 9,650 5,679 3,971 6,77,540
April-2036 9,650 5,646 4,004 6,73,535
May-2036 9,650 5,613 4,037 6,69,498
June-2036 9,650 5,579 4,071 6,65,427
July-2036 9,650 5,545 4,105 6,61,322
August-2036 9,650 5,511 4,139 6,57,183
September-2036 9,650 5,477 4,174 6,53,009
October-2036 9,650 5,442 4,208 6,48,801
November-2036 9,650 5,407 4,244 6,44,557
December-2036 9,650 5,371 4,279 6,40,278
January-2037 9,650 5,336 4,315 6,35,964
  13 $ 1,15,803 $ 61,136 $ 54,667 $ 5,81,297
February-2037 9,650 5,300 4,351 6,31,613
March-2037 9,650 5,263 4,387 6,27,226
April-2037 9,650 5,227 4,423 6,22,803
May-2037 9,650 5,190 4,460 6,18,343
June-2037 9,650 5,153 4,497 6,13,845
July-2037 9,650 5,115 4,535 6,09,311
August-2037 9,650 5,078 4,573 6,04,738
September-2037 9,650 5,039 4,611 6,00,127
October-2037 9,650 5,001 4,649 5,95,478
November-2037 9,650 4,962 4,688 5,90,790
December-2037 9,650 4,923 4,727 5,86,063
January-2038 9,650 4,884 4,766 5,81,297
  14 $ 1,15,803 $ 55,412 $ 60,391 $ 5,20,906
February-2038 9,650 4,844 4,806 5,76,491
March-2038 9,650 4,804 4,846 5,71,645
April-2038 9,650 4,764 4,887 5,66,758
May-2038 9,650 4,723 4,927 5,61,831
June-2038 9,650 4,682 4,968 5,56,863
July-2038 9,650 4,641 5,010 5,51,853
August-2038 9,650 4,599 5,051 5,46,802
September-2038 9,650 4,557 5,094 5,41,708
October-2038 9,650 4,514 5,136 5,36,572
November-2038 9,650 4,471 5,179 5,31,393
December-2038 9,650 4,428 5,222 5,26,171
January-2039 9,650 4,385 5,265 5,20,906
  15 $ 1,15,803 $ 49,088 $ 66,715 $ 4,54,191
February-2039 9,650 4,341 5,309 5,15,596
March-2039 9,650 4,297 5,354 5,10,243
April-2039 9,650 4,252 5,398 5,04,845
May-2039 9,650 4,207 5,443 4,99,402
June-2039 9,650 4,162 5,489 4,93,913
July-2039 9,650 4,116 5,534 4,88,379
August-2039 9,650 4,070 5,580 4,82,798
September-2039 9,650 4,023 5,627 4,77,171
October-2039 9,650 3,976 5,674 4,71,498
November-2039 9,650 3,929 5,721 4,65,777
December-2039 9,650 3,881 5,769 4,60,008
January-2040 9,650 3,833 5,817 4,54,191
  16 $ 1,15,803 $ 42,102 $ 73,701 $ 3,80,490
February-2040 9,650 3,785 5,865 4,48,326
March-2040 9,650 3,736 5,914 4,42,412
April-2040 9,650 3,687 5,963 4,36,448
May-2040 9,650 3,637 6,013 4,30,435
June-2040 9,650 3,587 6,063 4,24,372
July-2040 9,650 3,536 6,114 4,18,258
August-2040 9,650 3,485 6,165 4,12,093
September-2040 9,650 3,434 6,216 4,05,877
October-2040 9,650 3,382 6,268 3,99,609
November-2040 9,650 3,330 6,320 3,93,289
December-2040 9,650 3,277 6,373 3,86,916
January-2041 9,650 3,224 6,426 3,80,490
  17 $ 1,15,803 $ 34,384 $ 81,418 $ 2,99,072
February-2041 9,650 3,171 6,479 3,74,011
March-2041 9,650 3,117 6,533 3,67,477
April-2041 9,650 3,062 6,588 3,60,889
May-2041 9,650 3,007 6,643 3,54,247
June-2041 9,650 2,952 6,698 3,47,548
July-2041 9,650 2,896 6,754 3,40,795
August-2041 9,650 2,840 6,810 3,33,984
September-2041 9,650 2,783 6,867 3,27,117
October-2041 9,650 2,726 6,924 3,20,193
November-2041 9,650 2,668 6,982 3,13,211
December-2041 9,650 2,610 7,040 3,06,171
January-2042 9,650 2,551 7,099 2,99,072
  18 $ 1,15,803 $ 25,859 $ 89,944 $ 2,09,128
February-2042 9,650 2,492 7,158 2,91,914
March-2042 9,650 2,433 7,218 2,84,697
April-2042 9,650 2,372 7,278 2,77,419
May-2042 9,650 2,312 7,338 2,70,080
June-2042 9,650 2,251 7,400 2,62,681
July-2042 9,650 2,189 7,461 2,55,220
August-2042 9,650 2,127 7,523 2,47,696
September-2042 9,650 2,064 7,586 2,40,110
October-2042 9,650 2,001 7,649 2,32,461
November-2042 9,650 1,937 7,713 2,24,748
December-2042 9,650 1,873 7,777 2,16,971
January-2043 9,650 1,808 7,842 2,09,128
  19 $ 1,15,803 $ 16,441 $ 99,362 $ 1,09,766
February-2043 9,650 1,743 7,907 2,01,221
March-2043 9,650 1,677 7,973 1,93,248
April-2043 9,650 1,610 8,040 1,85,208
May-2043 9,650 1,543 8,107 1,77,101
June-2043 9,650 1,476 8,174 1,68,927
July-2043 9,650 1,408 8,242 1,60,684
August-2043 9,650 1,339 8,311 1,52,373
September-2043 9,650 1,270 8,380 1,43,992
October-2043 9,650 1,200 8,450 1,35,542
November-2043 9,650 1,130 8,521 1,27,021
December-2043 9,650 1,059 8,592 1,18,430
January-2044 9,650 987 8,663 1,09,766
  20 $ 1,15,803 $ 6,036 $ 1,09,766 $ 0
February-2044 9,650 915 8,735 1,01,031
March-2044 9,650 842 8,808 92,223
April-2044 9,650 769 8,882 83,341
May-2044 9,650 695 8,956 74,385
June-2044 9,650 620 9,030 65,355
July-2044 9,650 545 9,106 56,249
August-2044 9,650 469 9,181 47,068
September-2044 9,650 392 9,258 37,810
October-2044 9,650 315 9,335 28,475
November-2044 9,650 237 9,413 19,062
December-2044 9,650 159 9,491 9,570
January-2045 9,650 80 9,570 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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