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