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 = $ 10,322

Total Interest = $ 14,77,252

Total Payments = $ 24,77,252

Periods = 240 months

Last EMI Date = 27-June-2044

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 $ 1,23,863 $ 1,09,279 $ 14,583 $ 9,85,417
July-2024 10,322 9,167 1,155 9,98,845
August-2024 10,322 9,156 1,166 9,97,679
September-2024 10,322 9,145 1,176 9,96,502
October-2024 10,322 9,135 1,187 9,95,315
November-2024 10,322 9,124 1,198 9,94,117
December-2024 10,322 9,113 1,209 9,92,908
January-2025 10,322 9,102 1,220 9,91,688
February-2025 10,322 9,090 1,231 9,90,456
March-2025 10,322 9,079 1,243 9,89,214
April-2025 10,322 9,068 1,254 9,87,959
May-2025 10,322 9,056 1,266 9,86,694
June-2025 10,322 9,045 1,277 9,85,417
  2 $ 1,23,863 $ 1,07,592 $ 16,271 $ 9,69,146
July-2025 10,322 9,033 1,289 9,84,128
August-2025 10,322 9,021 1,301 9,82,827
September-2025 10,322 9,009 1,313 9,81,514
October-2025 10,322 8,997 1,325 9,80,190
November-2025 10,322 8,985 1,337 9,78,853
December-2025 10,322 8,973 1,349 9,77,504
January-2026 10,322 8,960 1,361 9,76,142
February-2026 10,322 8,948 1,374 9,74,769
March-2026 10,322 8,935 1,387 9,73,382
April-2026 10,322 8,923 1,399 9,71,983
May-2026 10,322 8,910 1,412 9,70,571
June-2026 10,322 8,897 1,425 9,69,146
  3 $ 1,23,863 $ 1,05,709 $ 18,154 $ 9,50,992
July-2026 10,322 8,884 1,438 9,67,708
August-2026 10,322 8,871 1,451 9,66,257
September-2026 10,322 8,857 1,465 9,64,792
October-2026 10,322 8,844 1,478 9,63,314
November-2026 10,322 8,830 1,492 9,61,823
December-2026 10,322 8,817 1,505 9,60,317
January-2027 10,322 8,803 1,519 9,58,798
February-2027 10,322 8,789 1,533 9,57,265
March-2027 10,322 8,775 1,547 9,55,719
April-2027 10,322 8,761 1,561 9,54,157
May-2027 10,322 8,746 1,575 9,52,582
June-2027 10,322 8,732 1,590 9,50,992
  4 $ 1,23,863 $ 1,03,608 $ 20,254 $ 9,30,738
July-2027 10,322 8,717 1,604 9,49,388
August-2027 10,322 8,703 1,619 9,47,768
September-2027 10,322 8,688 1,634 9,46,134
October-2027 10,322 8,673 1,649 9,44,485
November-2027 10,322 8,658 1,664 9,42,821
December-2027 10,322 8,643 1,679 9,41,142
January-2028 10,322 8,627 1,695 9,39,447
February-2028 10,322 8,612 1,710 9,37,737
March-2028 10,322 8,596 1,726 9,36,011
April-2028 10,322 8,580 1,742 9,34,269
May-2028 10,322 8,564 1,758 9,32,511
June-2028 10,322 8,548 1,774 9,30,738
  5 $ 1,23,863 $ 1,01,264 $ 22,598 $ 9,08,139
July-2028 10,322 8,532 1,790 9,28,947
August-2028 10,322 8,515 1,807 9,27,141
September-2028 10,322 8,499 1,823 9,25,318
October-2028 10,322 8,482 1,840 9,23,478
November-2028 10,322 8,465 1,857 9,21,621
December-2028 10,322 8,448 1,874 9,19,748
January-2029 10,322 8,431 1,891 9,17,857
February-2029 10,322 8,414 1,908 9,15,949
March-2029 10,322 8,396 1,926 9,14,023
April-2029 10,322 8,379 1,943 9,12,080
May-2029 10,322 8,361 1,961 9,10,118
June-2029 10,322 8,343 1,979 9,08,139
  6 $ 1,23,863 $ 98,649 $ 25,213 $ 8,82,926
July-2029 10,322 8,325 1,997 9,06,142
August-2029 10,322 8,306 2,016 9,04,126
September-2029 10,322 8,288 2,034 9,02,092
October-2029 10,322 8,269 2,053 9,00,040
November-2029 10,322 8,250 2,072 8,97,968
December-2029 10,322 8,231 2,091 8,95,878
January-2030 10,322 8,212 2,110 8,93,768
February-2030 10,322 8,193 2,129 8,91,639
March-2030 10,322 8,173 2,149 8,89,490
April-2030 10,322 8,154 2,168 8,87,322
May-2030 10,322 8,134 2,188 8,85,134
June-2030 10,322 8,114 2,208 8,82,926
  7 $ 1,23,863 $ 95,732 $ 28,131 $ 8,54,795
July-2030 10,322 8,093 2,228 8,80,698
August-2030 10,322 8,073 2,249 8,78,449
September-2030 10,322 8,052 2,269 8,76,179
October-2030 10,322 8,032 2,290 8,73,889
November-2030 10,322 8,011 2,311 8,71,578
December-2030 10,322 7,989 2,332 8,69,245
January-2031 10,322 7,968 2,354 8,66,892
February-2031 10,322 7,947 2,375 8,64,516
March-2031 10,322 7,925 2,397 8,62,119
April-2031 10,322 7,903 2,419 8,59,700
May-2031 10,322 7,881 2,441 8,57,259
June-2031 10,322 7,858 2,464 8,54,795
  8 $ 1,23,863 $ 92,476 $ 31,386 $ 8,23,409
July-2031 10,322 7,836 2,486 8,52,309
August-2031 10,322 7,813 2,509 8,49,800
September-2031 10,322 7,790 2,532 8,47,268
October-2031 10,322 7,767 2,555 8,44,712
November-2031 10,322 7,743 2,579 8,42,134
December-2031 10,322 7,720 2,602 8,39,531
January-2032 10,322 7,696 2,626 8,36,905
February-2032 10,322 7,672 2,650 8,34,255
March-2032 10,322 7,647 2,675 8,31,580
April-2032 10,322 7,623 2,699 8,28,881
May-2032 10,322 7,598 2,724 8,26,158
June-2032 10,322 7,573 2,749 8,23,409
  9 $ 1,23,863 $ 88,844 $ 35,018 $ 7,88,391
July-2032 10,322 7,548 2,774 8,20,635
August-2032 10,322 7,522 2,799 8,17,835
September-2032 10,322 7,497 2,825 8,15,010
October-2032 10,322 7,471 2,851 8,12,159
November-2032 10,322 7,445 2,877 8,09,282
December-2032 10,322 7,418 2,903 8,06,379
January-2033 10,322 7,392 2,930 8,03,449
February-2033 10,322 7,365 2,957 8,00,492
March-2033 10,322 7,338 2,984 7,97,508
April-2033 10,322 7,310 3,011 7,94,496
May-2033 10,322 7,283 3,039 7,91,457
June-2033 10,322 7,255 3,067 7,88,391
  10 $ 1,23,863 $ 84,792 $ 39,071 $ 7,49,320
July-2033 10,322 7,227 3,095 7,85,296
August-2033 10,322 7,199 3,123 7,82,172
September-2033 10,322 7,170 3,152 7,79,020
October-2033 10,322 7,141 3,181 7,75,839
November-2033 10,322 7,112 3,210 7,72,629
December-2033 10,322 7,082 3,239 7,69,390
January-2034 10,322 7,053 3,269 7,66,121
February-2034 10,322 7,023 3,299 7,62,822
March-2034 10,322 6,993 3,329 7,59,492
April-2034 10,322 6,962 3,360 7,56,132
May-2034 10,322 6,931 3,391 7,52,742
June-2034 10,322 6,900 3,422 7,49,320
  11 $ 1,23,863 $ 80,271 $ 43,592 $ 7,05,728
July-2034 10,322 6,869 3,453 7,45,867
August-2034 10,322 6,837 3,485 7,42,382
September-2034 10,322 6,805 3,517 7,38,865
October-2034 10,322 6,773 3,549 7,35,316
November-2034 10,322 6,740 3,581 7,31,735
December-2034 10,322 6,708 3,614 7,28,121
January-2035 10,322 6,674 3,647 7,24,473
February-2035 10,322 6,641 3,681 7,20,792
March-2035 10,322 6,607 3,715 7,17,078
April-2035 10,322 6,573 3,749 7,13,329
May-2035 10,322 6,539 3,783 7,09,546
June-2035 10,322 6,504 3,818 7,05,728
  12 $ 1,23,863 $ 75,227 $ 48,636 $ 6,57,092
July-2035 10,322 6,469 3,853 7,01,876
August-2035 10,322 6,434 3,888 6,97,988
September-2035 10,322 6,398 3,924 6,94,064
October-2035 10,322 6,362 3,960 6,90,104
November-2035 10,322 6,326 3,996 6,86,108
December-2035 10,322 6,289 4,033 6,82,076
January-2036 10,322 6,252 4,070 6,78,006
February-2036 10,322 6,215 4,107 6,73,899
March-2036 10,322 6,177 4,144 6,69,755
April-2036 10,322 6,139 4,182 6,65,572
May-2036 10,322 6,101 4,221 6,61,352
June-2036 10,322 6,062 4,259 6,57,092
  13 $ 1,23,863 $ 69,598 $ 54,264 $ 6,02,828
July-2036 10,322 6,023 4,299 6,52,794
August-2036 10,322 5,984 4,338 6,48,456
September-2036 10,322 5,944 4,378 6,44,078
October-2036 10,322 5,904 4,418 6,39,660
November-2036 10,322 5,864 4,458 6,35,202
December-2036 10,322 5,823 4,499 6,30,703
January-2037 10,322 5,781 4,540 6,26,162
February-2037 10,322 5,740 4,582 6,21,580
March-2037 10,322 5,698 4,624 6,16,956
April-2037 10,322 5,655 4,666 6,12,290
May-2037 10,322 5,613 4,709 6,07,580
June-2037 10,322 5,569 4,752 6,02,828
  14 $ 1,23,863 $ 63,319 $ 60,544 $ 5,42,284
July-2037 10,322 5,526 4,796 5,98,032
August-2037 10,322 5,482 4,840 5,93,192
September-2037 10,322 5,438 4,884 5,88,308
October-2037 10,322 5,393 4,929 5,83,379
November-2037 10,322 5,348 4,974 5,78,405
December-2037 10,322 5,302 5,020 5,73,385
January-2038 10,322 5,256 5,066 5,68,319
February-2038 10,322 5,210 5,112 5,63,207
March-2038 10,322 5,163 5,159 5,58,047
April-2038 10,322 5,115 5,206 5,52,841
May-2038 10,322 5,068 5,254 5,47,587
June-2038 10,322 5,020 5,302 5,42,284
  15 $ 1,23,863 $ 56,313 $ 67,550 $ 4,74,735
July-2038 10,322 4,971 5,351 5,36,933
August-2038 10,322 4,922 5,400 5,31,533
September-2038 10,322 4,872 5,449 5,26,084
October-2038 10,322 4,822 5,499 5,20,585
November-2038 10,322 4,772 5,550 5,15,035
December-2038 10,322 4,721 5,601 5,09,434
January-2039 10,322 4,670 5,652 5,03,782
February-2039 10,322 4,618 5,704 4,98,078
March-2039 10,322 4,566 5,756 4,92,322
April-2039 10,322 4,513 5,809 4,86,513
May-2039 10,322 4,460 5,862 4,80,651
June-2039 10,322 4,406 5,916 4,74,735
  16 $ 1,23,863 $ 48,496 $ 75,366 $ 3,99,368
July-2039 10,322 4,352 5,970 4,68,765
August-2039 10,322 4,297 6,025 4,62,740
September-2039 10,322 4,242 6,080 4,56,660
October-2039 10,322 4,186 6,136 4,50,524
November-2039 10,322 4,130 6,192 4,44,332
December-2039 10,322 4,073 6,249 4,38,083
January-2040 10,322 4,016 6,306 4,31,777
February-2040 10,322 3,958 6,364 4,25,413
March-2040 10,322 3,900 6,422 4,18,991
April-2040 10,322 3,841 6,481 4,12,509
May-2040 10,322 3,781 6,541 4,05,969
June-2040 10,322 3,721 6,601 3,99,368
  17 $ 1,23,863 $ 39,775 $ 84,088 $ 3,15,281
July-2040 10,322 3,661 6,661 3,92,707
August-2040 10,322 3,600 6,722 3,85,985
September-2040 10,322 3,538 6,784 3,79,202
October-2040 10,322 3,476 6,846 3,72,356
November-2040 10,322 3,413 6,909 3,65,447
December-2040 10,322 3,350 6,972 3,58,475
January-2041 10,322 3,286 7,036 3,51,439
February-2041 10,322 3,222 7,100 3,44,339
March-2041 10,322 3,156 7,165 3,37,173
April-2041 10,322 3,091 7,231 3,29,942
May-2041 10,322 3,024 7,297 3,22,645
June-2041 10,322 2,958 7,364 3,15,281
  18 $ 1,23,863 $ 30,044 $ 93,818 $ 2,21,462
July-2041 10,322 2,890 7,432 3,07,849
August-2041 10,322 2,822 7,500 3,00,349
September-2041 10,322 2,753 7,569 2,92,780
October-2041 10,322 2,684 7,638 2,85,142
November-2041 10,322 2,614 7,708 2,77,434
December-2041 10,322 2,543 7,779 2,69,655
January-2042 10,322 2,472 7,850 2,61,805
February-2042 10,322 2,400 7,922 2,53,883
March-2042 10,322 2,327 7,995 2,45,889
April-2042 10,322 2,254 8,068 2,37,821
May-2042 10,322 2,180 8,142 2,29,679
June-2042 10,322 2,105 8,216 2,21,462
  19 $ 1,23,863 $ 19,188 $ 1,04,675 $ 1,16,788
July-2042 10,322 2,030 8,292 2,13,171
August-2042 10,322 1,954 8,368 2,04,803
September-2042 10,322 1,877 8,445 1,96,358
October-2042 10,322 1,800 8,522 1,87,836
November-2042 10,322 1,722 8,600 1,79,236
December-2042 10,322 1,643 8,679 1,70,557
January-2043 10,322 1,563 8,758 1,61,799
February-2043 10,322 1,483 8,839 1,52,960
March-2043 10,322 1,402 8,920 1,44,040
April-2043 10,322 1,320 9,002 1,35,039
May-2043 10,322 1,238 9,084 1,25,955
June-2043 10,322 1,155 9,167 1,16,788
  20 $ 1,23,863 $ 7,075 $ 1,16,788 $ -0
July-2043 10,322 1,071 9,251 1,07,536
August-2043 10,322 986 9,336 98,200
September-2043 10,322 900 9,422 88,778
October-2043 10,322 814 9,508 79,270
November-2043 10,322 727 9,595 69,675
December-2043 10,322 639 9,683 59,992
January-2044 10,322 550 9,772 50,220
February-2044 10,322 460 9,862 40,358
March-2044 10,322 370 9,952 30,407
April-2044 10,322 279 10,043 20,363
May-2044 10,322 187 10,135 10,228
June-2044 10,322 94 10,228 -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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