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 = 18-October-2045

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
November-2025 10,322 9,167 1,155 9,98,845
December-2025 10,322 9,156 1,166 9,97,679
January-2026 10,322 9,145 1,176 9,96,502
February-2026 10,322 9,135 1,187 9,95,315
March-2026 10,322 9,124 1,198 9,94,117
April-2026 10,322 9,113 1,209 9,92,908
May-2026 10,322 9,102 1,220 9,91,688
June-2026 10,322 9,090 1,231 9,90,456
July-2026 10,322 9,079 1,243 9,89,214
August-2026 10,322 9,068 1,254 9,87,959
September-2026 10,322 9,056 1,266 9,86,694
October-2026 10,322 9,045 1,277 9,85,417
  2 $ 1,23,863 $ 1,07,592 $ 16,271 $ 9,69,146
November-2026 10,322 9,033 1,289 9,84,128
December-2026 10,322 9,021 1,301 9,82,827
January-2027 10,322 9,009 1,313 9,81,514
February-2027 10,322 8,997 1,325 9,80,190
March-2027 10,322 8,985 1,337 9,78,853
April-2027 10,322 8,973 1,349 9,77,504
May-2027 10,322 8,960 1,361 9,76,142
June-2027 10,322 8,948 1,374 9,74,769
July-2027 10,322 8,935 1,387 9,73,382
August-2027 10,322 8,923 1,399 9,71,983
September-2027 10,322 8,910 1,412 9,70,571
October-2027 10,322 8,897 1,425 9,69,146
  3 $ 1,23,863 $ 1,05,709 $ 18,154 $ 9,50,992
November-2027 10,322 8,884 1,438 9,67,708
December-2027 10,322 8,871 1,451 9,66,257
January-2028 10,322 8,857 1,465 9,64,792
February-2028 10,322 8,844 1,478 9,63,314
March-2028 10,322 8,830 1,492 9,61,823
April-2028 10,322 8,817 1,505 9,60,317
May-2028 10,322 8,803 1,519 9,58,798
June-2028 10,322 8,789 1,533 9,57,265
July-2028 10,322 8,775 1,547 9,55,719
August-2028 10,322 8,761 1,561 9,54,157
September-2028 10,322 8,746 1,575 9,52,582
October-2028 10,322 8,732 1,590 9,50,992
  4 $ 1,23,863 $ 1,03,608 $ 20,254 $ 9,30,738
November-2028 10,322 8,717 1,604 9,49,388
December-2028 10,322 8,703 1,619 9,47,768
January-2029 10,322 8,688 1,634 9,46,134
February-2029 10,322 8,673 1,649 9,44,485
March-2029 10,322 8,658 1,664 9,42,821
April-2029 10,322 8,643 1,679 9,41,142
May-2029 10,322 8,627 1,695 9,39,447
June-2029 10,322 8,612 1,710 9,37,737
July-2029 10,322 8,596 1,726 9,36,011
August-2029 10,322 8,580 1,742 9,34,269
September-2029 10,322 8,564 1,758 9,32,511
October-2029 10,322 8,548 1,774 9,30,738
  5 $ 1,23,863 $ 1,01,264 $ 22,598 $ 9,08,139
November-2029 10,322 8,532 1,790 9,28,947
December-2029 10,322 8,515 1,807 9,27,141
January-2030 10,322 8,499 1,823 9,25,318
February-2030 10,322 8,482 1,840 9,23,478
March-2030 10,322 8,465 1,857 9,21,621
April-2030 10,322 8,448 1,874 9,19,748
May-2030 10,322 8,431 1,891 9,17,857
June-2030 10,322 8,414 1,908 9,15,949
July-2030 10,322 8,396 1,926 9,14,023
August-2030 10,322 8,379 1,943 9,12,080
September-2030 10,322 8,361 1,961 9,10,118
October-2030 10,322 8,343 1,979 9,08,139
  6 $ 1,23,863 $ 98,649 $ 25,213 $ 8,82,926
November-2030 10,322 8,325 1,997 9,06,142
December-2030 10,322 8,306 2,016 9,04,126
January-2031 10,322 8,288 2,034 9,02,092
February-2031 10,322 8,269 2,053 9,00,040
March-2031 10,322 8,250 2,072 8,97,968
April-2031 10,322 8,231 2,091 8,95,878
May-2031 10,322 8,212 2,110 8,93,768
June-2031 10,322 8,193 2,129 8,91,639
July-2031 10,322 8,173 2,149 8,89,490
August-2031 10,322 8,154 2,168 8,87,322
September-2031 10,322 8,134 2,188 8,85,134
October-2031 10,322 8,114 2,208 8,82,926
  7 $ 1,23,863 $ 95,732 $ 28,131 $ 8,54,795
November-2031 10,322 8,093 2,228 8,80,698
December-2031 10,322 8,073 2,249 8,78,449
January-2032 10,322 8,052 2,269 8,76,179
February-2032 10,322 8,032 2,290 8,73,889
March-2032 10,322 8,011 2,311 8,71,578
April-2032 10,322 7,989 2,332 8,69,245
May-2032 10,322 7,968 2,354 8,66,892
June-2032 10,322 7,947 2,375 8,64,516
July-2032 10,322 7,925 2,397 8,62,119
August-2032 10,322 7,903 2,419 8,59,700
September-2032 10,322 7,881 2,441 8,57,259
October-2032 10,322 7,858 2,464 8,54,795
  8 $ 1,23,863 $ 92,476 $ 31,386 $ 8,23,409
November-2032 10,322 7,836 2,486 8,52,309
December-2032 10,322 7,813 2,509 8,49,800
January-2033 10,322 7,790 2,532 8,47,268
February-2033 10,322 7,767 2,555 8,44,712
March-2033 10,322 7,743 2,579 8,42,134
April-2033 10,322 7,720 2,602 8,39,531
May-2033 10,322 7,696 2,626 8,36,905
June-2033 10,322 7,672 2,650 8,34,255
July-2033 10,322 7,647 2,675 8,31,580
August-2033 10,322 7,623 2,699 8,28,881
September-2033 10,322 7,598 2,724 8,26,158
October-2033 10,322 7,573 2,749 8,23,409
  9 $ 1,23,863 $ 88,844 $ 35,018 $ 7,88,391
November-2033 10,322 7,548 2,774 8,20,635
December-2033 10,322 7,522 2,799 8,17,835
January-2034 10,322 7,497 2,825 8,15,010
February-2034 10,322 7,471 2,851 8,12,159
March-2034 10,322 7,445 2,877 8,09,282
April-2034 10,322 7,418 2,903 8,06,379
May-2034 10,322 7,392 2,930 8,03,449
June-2034 10,322 7,365 2,957 8,00,492
July-2034 10,322 7,338 2,984 7,97,508
August-2034 10,322 7,310 3,011 7,94,496
September-2034 10,322 7,283 3,039 7,91,457
October-2034 10,322 7,255 3,067 7,88,391
  10 $ 1,23,863 $ 84,792 $ 39,071 $ 7,49,320
November-2034 10,322 7,227 3,095 7,85,296
December-2034 10,322 7,199 3,123 7,82,172
January-2035 10,322 7,170 3,152 7,79,020
February-2035 10,322 7,141 3,181 7,75,839
March-2035 10,322 7,112 3,210 7,72,629
April-2035 10,322 7,082 3,239 7,69,390
May-2035 10,322 7,053 3,269 7,66,121
June-2035 10,322 7,023 3,299 7,62,822
July-2035 10,322 6,993 3,329 7,59,492
August-2035 10,322 6,962 3,360 7,56,132
September-2035 10,322 6,931 3,391 7,52,742
October-2035 10,322 6,900 3,422 7,49,320
  11 $ 1,23,863 $ 80,271 $ 43,592 $ 7,05,728
November-2035 10,322 6,869 3,453 7,45,867
December-2035 10,322 6,837 3,485 7,42,382
January-2036 10,322 6,805 3,517 7,38,865
February-2036 10,322 6,773 3,549 7,35,316
March-2036 10,322 6,740 3,581 7,31,735
April-2036 10,322 6,708 3,614 7,28,121
May-2036 10,322 6,674 3,647 7,24,473
June-2036 10,322 6,641 3,681 7,20,792
July-2036 10,322 6,607 3,715 7,17,078
August-2036 10,322 6,573 3,749 7,13,329
September-2036 10,322 6,539 3,783 7,09,546
October-2036 10,322 6,504 3,818 7,05,728
  12 $ 1,23,863 $ 75,227 $ 48,636 $ 6,57,092
November-2036 10,322 6,469 3,853 7,01,876
December-2036 10,322 6,434 3,888 6,97,988
January-2037 10,322 6,398 3,924 6,94,064
February-2037 10,322 6,362 3,960 6,90,104
March-2037 10,322 6,326 3,996 6,86,108
April-2037 10,322 6,289 4,033 6,82,076
May-2037 10,322 6,252 4,070 6,78,006
June-2037 10,322 6,215 4,107 6,73,899
July-2037 10,322 6,177 4,144 6,69,755
August-2037 10,322 6,139 4,182 6,65,572
September-2037 10,322 6,101 4,221 6,61,352
October-2037 10,322 6,062 4,259 6,57,092
  13 $ 1,23,863 $ 69,598 $ 54,264 $ 6,02,828
November-2037 10,322 6,023 4,299 6,52,794
December-2037 10,322 5,984 4,338 6,48,456
January-2038 10,322 5,944 4,378 6,44,078
February-2038 10,322 5,904 4,418 6,39,660
March-2038 10,322 5,864 4,458 6,35,202
April-2038 10,322 5,823 4,499 6,30,703
May-2038 10,322 5,781 4,540 6,26,162
June-2038 10,322 5,740 4,582 6,21,580
July-2038 10,322 5,698 4,624 6,16,956
August-2038 10,322 5,655 4,666 6,12,290
September-2038 10,322 5,613 4,709 6,07,580
October-2038 10,322 5,569 4,752 6,02,828
  14 $ 1,23,863 $ 63,319 $ 60,544 $ 5,42,284
November-2038 10,322 5,526 4,796 5,98,032
December-2038 10,322 5,482 4,840 5,93,192
January-2039 10,322 5,438 4,884 5,88,308
February-2039 10,322 5,393 4,929 5,83,379
March-2039 10,322 5,348 4,974 5,78,405
April-2039 10,322 5,302 5,020 5,73,385
May-2039 10,322 5,256 5,066 5,68,319
June-2039 10,322 5,210 5,112 5,63,207
July-2039 10,322 5,163 5,159 5,58,047
August-2039 10,322 5,115 5,206 5,52,841
September-2039 10,322 5,068 5,254 5,47,587
October-2039 10,322 5,020 5,302 5,42,284
  15 $ 1,23,863 $ 56,313 $ 67,550 $ 4,74,735
November-2039 10,322 4,971 5,351 5,36,933
December-2039 10,322 4,922 5,400 5,31,533
January-2040 10,322 4,872 5,449 5,26,084
February-2040 10,322 4,822 5,499 5,20,585
March-2040 10,322 4,772 5,550 5,15,035
April-2040 10,322 4,721 5,601 5,09,434
May-2040 10,322 4,670 5,652 5,03,782
June-2040 10,322 4,618 5,704 4,98,078
July-2040 10,322 4,566 5,756 4,92,322
August-2040 10,322 4,513 5,809 4,86,513
September-2040 10,322 4,460 5,862 4,80,651
October-2040 10,322 4,406 5,916 4,74,735
  16 $ 1,23,863 $ 48,496 $ 75,366 $ 3,99,368
November-2040 10,322 4,352 5,970 4,68,765
December-2040 10,322 4,297 6,025 4,62,740
January-2041 10,322 4,242 6,080 4,56,660
February-2041 10,322 4,186 6,136 4,50,524
March-2041 10,322 4,130 6,192 4,44,332
April-2041 10,322 4,073 6,249 4,38,083
May-2041 10,322 4,016 6,306 4,31,777
June-2041 10,322 3,958 6,364 4,25,413
July-2041 10,322 3,900 6,422 4,18,991
August-2041 10,322 3,841 6,481 4,12,509
September-2041 10,322 3,781 6,541 4,05,969
October-2041 10,322 3,721 6,601 3,99,368
  17 $ 1,23,863 $ 39,775 $ 84,088 $ 3,15,281
November-2041 10,322 3,661 6,661 3,92,707
December-2041 10,322 3,600 6,722 3,85,985
January-2042 10,322 3,538 6,784 3,79,202
February-2042 10,322 3,476 6,846 3,72,356
March-2042 10,322 3,413 6,909 3,65,447
April-2042 10,322 3,350 6,972 3,58,475
May-2042 10,322 3,286 7,036 3,51,439
June-2042 10,322 3,222 7,100 3,44,339
July-2042 10,322 3,156 7,165 3,37,173
August-2042 10,322 3,091 7,231 3,29,942
September-2042 10,322 3,024 7,297 3,22,645
October-2042 10,322 2,958 7,364 3,15,281
  18 $ 1,23,863 $ 30,044 $ 93,818 $ 2,21,462
November-2042 10,322 2,890 7,432 3,07,849
December-2042 10,322 2,822 7,500 3,00,349
January-2043 10,322 2,753 7,569 2,92,780
February-2043 10,322 2,684 7,638 2,85,142
March-2043 10,322 2,614 7,708 2,77,434
April-2043 10,322 2,543 7,779 2,69,655
May-2043 10,322 2,472 7,850 2,61,805
June-2043 10,322 2,400 7,922 2,53,883
July-2043 10,322 2,327 7,995 2,45,889
August-2043 10,322 2,254 8,068 2,37,821
September-2043 10,322 2,180 8,142 2,29,679
October-2043 10,322 2,105 8,216 2,21,462
  19 $ 1,23,863 $ 19,188 $ 1,04,675 $ 1,16,788
November-2043 10,322 2,030 8,292 2,13,171
December-2043 10,322 1,954 8,368 2,04,803
January-2044 10,322 1,877 8,445 1,96,358
February-2044 10,322 1,800 8,522 1,87,836
March-2044 10,322 1,722 8,600 1,79,236
April-2044 10,322 1,643 8,679 1,70,557
May-2044 10,322 1,563 8,758 1,61,799
June-2044 10,322 1,483 8,839 1,52,960
July-2044 10,322 1,402 8,920 1,44,040
August-2044 10,322 1,320 9,002 1,35,039
September-2044 10,322 1,238 9,084 1,25,955
October-2044 10,322 1,155 9,167 1,16,788
  20 $ 1,23,863 $ 7,075 $ 1,16,788 $ -0
November-2044 10,322 1,071 9,251 1,07,536
December-2044 10,322 986 9,336 98,200
January-2045 10,322 900 9,422 88,778
February-2045 10,322 814 9,508 79,270
March-2045 10,322 727 9,595 69,675
April-2045 10,322 639 9,683 59,992
May-2045 10,322 550 9,772 50,220
June-2045 10,322 460 9,862 40,358
July-2045 10,322 370 9,952 30,407
August-2045 10,322 279 10,043 20,363
September-2045 10,322 187 10,135 10,228
October-2045 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 %
Compare EMI Tenures
Compare different loan tenures easily with our Loan Tenure Comparison Calculator. Enter your loan amount, interest rate, and multiple EMI options to see how repayment periods change.
Loan Amount  ₹ 
Interest rate     %
EMI-1  ₹ 
EMI-2  ₹ 
EMI-3  ₹ 



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 Tenure Calculations | EMI Moratorium Calculations

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