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