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 = 28-August-2042

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 $ 1,15,803 $ 99,255 $ 16,547 $ 9,83,453
September-2022 9,650 8,333 1,317 9,98,683
October-2022 9,650 8,322 1,328 9,97,355
November-2022 9,650 8,311 1,339 9,96,016
December-2022 9,650 8,300 1,350 9,94,666
January-2023 9,650 8,289 1,361 9,93,305
February-2023 9,650 8,278 1,373 9,91,932
March-2023 9,650 8,266 1,384 9,90,548
April-2023 9,650 8,255 1,396 9,89,152
May-2023 9,650 8,243 1,407 9,87,745
June-2023 9,650 8,231 1,419 9,86,326
July-2023 9,650 8,219 1,431 9,84,895
August-2023 9,650 8,207 1,443 9,83,453
  2 $ 1,15,803 $ 97,522 $ 18,280 $ 9,65,173
September-2023 9,650 8,195 1,455 9,81,998
October-2023 9,650 8,183 1,467 9,80,531
November-2023 9,650 8,171 1,479 9,79,052
December-2023 9,650 8,159 1,491 9,77,560
January-2024 9,650 8,146 1,504 9,76,056
February-2024 9,650 8,134 1,516 9,74,540
March-2024 9,650 8,121 1,529 9,73,011
April-2024 9,650 8,108 1,542 9,71,469
May-2024 9,650 8,096 1,555 9,69,915
June-2024 9,650 8,083 1,568 9,68,347
July-2024 9,650 8,070 1,581 9,66,766
August-2024 9,650 8,056 1,594 9,65,173
  3 $ 1,15,803 $ 95,608 $ 20,194 $ 9,44,978
September-2024 9,650 8,043 1,607 9,63,565
October-2024 9,650 8,030 1,621 9,61,945
November-2024 9,650 8,016 1,634 9,60,311
December-2024 9,650 8,003 1,648 9,58,663
January-2025 9,650 7,989 1,661 9,57,002
February-2025 9,650 7,975 1,675 9,55,327
March-2025 9,650 7,961 1,689 9,53,638
April-2025 9,650 7,947 1,703 9,51,934
May-2025 9,650 7,933 1,717 9,50,217
June-2025 9,650 7,918 1,732 9,48,485
July-2025 9,650 7,904 1,746 9,46,739
August-2025 9,650 7,889 1,761 9,44,978
  4 $ 1,15,803 $ 93,494 $ 22,309 $ 9,22,669
September-2025 9,650 7,875 1,775 9,43,203
October-2025 9,650 7,860 1,790 9,41,413
November-2025 9,650 7,845 1,805 9,39,608
December-2025 9,650 7,830 1,820 9,37,787
January-2026 9,650 7,815 1,835 9,35,952
February-2026 9,650 7,800 1,851 9,34,101
March-2026 9,650 7,784 1,866 9,32,235
April-2026 9,650 7,769 1,882 9,30,354
May-2026 9,650 7,753 1,897 9,28,457
June-2026 9,650 7,737 1,913 9,26,543
July-2026 9,650 7,721 1,929 9,24,614
August-2026 9,650 7,705 1,945 9,22,669
  5 $ 1,15,803 $ 91,158 $ 24,645 $ 8,98,024
September-2026 9,650 7,689 1,961 9,20,708
October-2026 9,650 7,673 1,978 9,18,730
November-2026 9,650 7,656 1,994 9,16,736
December-2026 9,650 7,639 2,011 9,14,726
January-2027 9,650 7,623 2,028 9,12,698
February-2027 9,650 7,606 2,044 9,10,654
March-2027 9,650 7,589 2,061 9,08,592
April-2027 9,650 7,572 2,079 9,06,514
May-2027 9,650 7,554 2,096 9,04,418
June-2027 9,650 7,537 2,113 9,02,304
July-2027 9,650 7,519 2,131 9,00,173
August-2027 9,650 7,501 2,149 8,98,024
  6 $ 1,15,803 $ 88,577 $ 27,226 $ 8,70,799
September-2027 9,650 7,484 2,167 8,95,858
October-2027 9,650 7,465 2,185 8,93,673
November-2027 9,650 7,447 2,203 8,91,470
December-2027 9,650 7,429 2,221 8,89,249
January-2028 9,650 7,410 2,240 8,87,009
February-2028 9,650 7,392 2,258 8,84,750
March-2028 9,650 7,373 2,277 8,82,473
April-2028 9,650 7,354 2,296 8,80,177
May-2028 9,650 7,335 2,315 8,77,862
June-2028 9,650 7,316 2,335 8,75,527
July-2028 9,650 7,296 2,354 8,73,173
August-2028 9,650 7,276 2,374 8,70,799
  7 $ 1,15,803 $ 85,726 $ 30,076 $ 8,40,722
September-2028 9,650 7,257 2,394 8,68,405
October-2028 9,650 7,237 2,414 8,65,992
November-2028 9,650 7,217 2,434 8,63,558
December-2028 9,650 7,196 2,454 8,61,104
January-2029 9,650 7,176 2,474 8,58,630
February-2029 9,650 7,155 2,495 8,56,135
March-2029 9,650 7,134 2,516 8,53,619
April-2029 9,650 7,113 2,537 8,51,082
May-2029 9,650 7,092 2,558 8,48,525
June-2029 9,650 7,071 2,579 8,45,945
July-2029 9,650 7,050 2,601 8,43,345
August-2029 9,650 7,028 2,622 8,40,722
  8 $ 1,15,803 $ 82,577 $ 33,226 $ 8,07,497
September-2029 9,650 7,006 2,644 8,38,078
October-2029 9,650 6,984 2,666 8,35,412
November-2029 9,650 6,962 2,688 8,32,724
December-2029 9,650 6,939 2,711 8,30,013
January-2030 9,650 6,917 2,733 8,27,279
February-2030 9,650 6,894 2,756 8,24,523
March-2030 9,650 6,871 2,779 8,21,744
April-2030 9,650 6,848 2,802 8,18,941
May-2030 9,650 6,825 2,826 8,16,116
June-2030 9,650 6,801 2,849 8,13,267
July-2030 9,650 6,777 2,873 8,10,394
August-2030 9,650 6,753 2,897 8,07,497
  9 $ 1,15,803 $ 79,098 $ 36,705 $ 7,70,792
September-2030 9,650 6,729 2,921 8,04,576
October-2030 9,650 6,705 2,945 8,01,630
November-2030 9,650 6,680 2,970 7,98,660
December-2030 9,650 6,656 2,995 7,95,665
January-2031 9,650 6,631 3,020 7,92,646
February-2031 9,650 6,605 3,045 7,89,601
March-2031 9,650 6,580 3,070 7,86,531
April-2031 9,650 6,554 3,096 7,83,435
May-2031 9,650 6,529 3,122 7,80,313
June-2031 9,650 6,503 3,148 7,77,166
July-2031 9,650 6,476 3,174 7,73,992
August-2031 9,650 6,450 3,200 7,70,792
  10 $ 1,15,803 $ 75,254 $ 40,548 $ 7,30,243
September-2031 9,650 6,423 3,227 7,67,565
October-2031 9,650 6,396 3,254 7,64,311
November-2031 9,650 6,369 3,281 7,61,030
December-2031 9,650 6,342 3,308 7,57,722
January-2032 9,650 6,314 3,336 7,54,386
February-2032 9,650 6,287 3,364 7,51,022
March-2032 9,650 6,259 3,392 7,47,630
April-2032 9,650 6,230 3,420 7,44,210
May-2032 9,650 6,202 3,448 7,40,762
June-2032 9,650 6,173 3,477 7,37,285
July-2032 9,650 6,144 3,506 7,33,779
August-2032 9,650 6,115 3,535 7,30,243
  11 $ 1,15,803 $ 71,008 $ 44,794 $ 6,85,449
September-2032 9,650 6,085 3,565 7,26,678
October-2032 9,650 6,056 3,595 7,23,084
November-2032 9,650 6,026 3,625 7,19,459
December-2032 9,650 5,995 3,655 7,15,804
January-2033 9,650 5,965 3,685 7,12,119
February-2033 9,650 5,934 3,716 7,08,403
March-2033 9,650 5,903 3,747 7,04,657
April-2033 9,650 5,872 3,778 7,00,878
May-2033 9,650 5,841 3,810 6,97,069
June-2033 9,650 5,809 3,841 6,93,228
July-2033 9,650 5,777 3,873 6,89,354
August-2033 9,650 5,745 3,906 6,85,449
  12 $ 1,15,803 $ 66,318 $ 49,485 $ 6,35,964
September-2033 9,650 5,712 3,938 6,81,511
October-2033 9,650 5,679 3,971 6,77,540
November-2033 9,650 5,646 4,004 6,73,535
December-2033 9,650 5,613 4,037 6,69,498
January-2034 9,650 5,579 4,071 6,65,427
February-2034 9,650 5,545 4,105 6,61,322
March-2034 9,650 5,511 4,139 6,57,183
April-2034 9,650 5,477 4,174 6,53,009
May-2034 9,650 5,442 4,208 6,48,801
June-2034 9,650 5,407 4,244 6,44,557
July-2034 9,650 5,371 4,279 6,40,278
August-2034 9,650 5,336 4,315 6,35,964
  13 $ 1,15,803 $ 61,136 $ 54,667 $ 5,81,297
September-2034 9,650 5,300 4,351 6,31,613
October-2034 9,650 5,263 4,387 6,27,226
November-2034 9,650 5,227 4,423 6,22,803
December-2034 9,650 5,190 4,460 6,18,343
January-2035 9,650 5,153 4,497 6,13,845
February-2035 9,650 5,115 4,535 6,09,311
March-2035 9,650 5,078 4,573 6,04,738
April-2035 9,650 5,039 4,611 6,00,127
May-2035 9,650 5,001 4,649 5,95,478
June-2035 9,650 4,962 4,688 5,90,790
July-2035 9,650 4,923 4,727 5,86,063
August-2035 9,650 4,884 4,766 5,81,297
  14 $ 1,15,803 $ 55,412 $ 60,391 $ 5,20,906
September-2035 9,650 4,844 4,806 5,76,491
October-2035 9,650 4,804 4,846 5,71,645
November-2035 9,650 4,764 4,887 5,66,758
December-2035 9,650 4,723 4,927 5,61,831
January-2036 9,650 4,682 4,968 5,56,863
February-2036 9,650 4,641 5,010 5,51,853
March-2036 9,650 4,599 5,051 5,46,802
April-2036 9,650 4,557 5,094 5,41,708
May-2036 9,650 4,514 5,136 5,36,572
June-2036 9,650 4,471 5,179 5,31,393
July-2036 9,650 4,428 5,222 5,26,171
August-2036 9,650 4,385 5,265 5,20,906
  15 $ 1,15,803 $ 49,088 $ 66,715 $ 4,54,191
September-2036 9,650 4,341 5,309 5,15,596
October-2036 9,650 4,297 5,354 5,10,243
November-2036 9,650 4,252 5,398 5,04,845
December-2036 9,650 4,207 5,443 4,99,402
January-2037 9,650 4,162 5,489 4,93,913
February-2037 9,650 4,116 5,534 4,88,379
March-2037 9,650 4,070 5,580 4,82,798
April-2037 9,650 4,023 5,627 4,77,171
May-2037 9,650 3,976 5,674 4,71,498
June-2037 9,650 3,929 5,721 4,65,777
July-2037 9,650 3,881 5,769 4,60,008
August-2037 9,650 3,833 5,817 4,54,191
  16 $ 1,15,803 $ 42,102 $ 73,701 $ 3,80,490
September-2037 9,650 3,785 5,865 4,48,326
October-2037 9,650 3,736 5,914 4,42,412
November-2037 9,650 3,687 5,963 4,36,448
December-2037 9,650 3,637 6,013 4,30,435
January-2038 9,650 3,587 6,063 4,24,372
February-2038 9,650 3,536 6,114 4,18,258
March-2038 9,650 3,485 6,165 4,12,093
April-2038 9,650 3,434 6,216 4,05,877
May-2038 9,650 3,382 6,268 3,99,609
June-2038 9,650 3,330 6,320 3,93,289
July-2038 9,650 3,277 6,373 3,86,916
August-2038 9,650 3,224 6,426 3,80,490
  17 $ 1,15,803 $ 34,384 $ 81,418 $ 2,99,072
September-2038 9,650 3,171 6,479 3,74,011
October-2038 9,650 3,117 6,533 3,67,477
November-2038 9,650 3,062 6,588 3,60,889
December-2038 9,650 3,007 6,643 3,54,247
January-2039 9,650 2,952 6,698 3,47,548
February-2039 9,650 2,896 6,754 3,40,795
March-2039 9,650 2,840 6,810 3,33,984
April-2039 9,650 2,783 6,867 3,27,117
May-2039 9,650 2,726 6,924 3,20,193
June-2039 9,650 2,668 6,982 3,13,211
July-2039 9,650 2,610 7,040 3,06,171
August-2039 9,650 2,551 7,099 2,99,072
  18 $ 1,15,803 $ 25,859 $ 89,944 $ 2,09,128
September-2039 9,650 2,492 7,158 2,91,914
October-2039 9,650 2,433 7,218 2,84,697
November-2039 9,650 2,372 7,278 2,77,419
December-2039 9,650 2,312 7,338 2,70,080
January-2040 9,650 2,251 7,400 2,62,681
February-2040 9,650 2,189 7,461 2,55,220
March-2040 9,650 2,127 7,523 2,47,696
April-2040 9,650 2,064 7,586 2,40,110
May-2040 9,650 2,001 7,649 2,32,461
June-2040 9,650 1,937 7,713 2,24,748
July-2040 9,650 1,873 7,777 2,16,971
August-2040 9,650 1,808 7,842 2,09,128
  19 $ 1,15,803 $ 16,441 $ 99,362 $ 1,09,766
September-2040 9,650 1,743 7,907 2,01,221
October-2040 9,650 1,677 7,973 1,93,248
November-2040 9,650 1,610 8,040 1,85,208
December-2040 9,650 1,543 8,107 1,77,101
January-2041 9,650 1,476 8,174 1,68,927
February-2041 9,650 1,408 8,242 1,60,684
March-2041 9,650 1,339 8,311 1,52,373
April-2041 9,650 1,270 8,380 1,43,992
May-2041 9,650 1,200 8,450 1,35,542
June-2041 9,650 1,130 8,521 1,27,021
July-2041 9,650 1,059 8,592 1,18,430
August-2041 9,650 987 8,663 1,09,766
  20 $ 1,15,803 $ 6,036 $ 1,09,766 $ 0
September-2041 9,650 915 8,735 1,01,031
October-2041 9,650 842 8,808 92,223
November-2041 9,650 769 8,882 83,341
December-2041 9,650 695 8,956 74,385
January-2042 9,650 620 9,030 65,355
February-2042 9,650 545 9,106 56,249
March-2042 9,650 469 9,181 47,068
April-2042 9,650 392 9,258 37,810
May-2042 9,650 315 9,335 28,475
June-2042 9,650 237 9,413 19,062
July-2042 9,650 159 9,491 9,570
August-2042 9,650 80 9,570 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 %



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 %


Flat Rate EMI Calculator
Calculate EMI for a flat rate loan with annual and monthly amortization tables
Loan Amt
Loan Term    years
Flat 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 %