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 = 28-August-2042

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
September-2022 10,322 9,167 1,155 9,98,845
October-2022 10,322 9,156 1,166 9,97,679
November-2022 10,322 9,145 1,176 9,96,502
December-2022 10,322 9,135 1,187 9,95,315
January-2023 10,322 9,124 1,198 9,94,117
February-2023 10,322 9,113 1,209 9,92,908
March-2023 10,322 9,102 1,220 9,91,688
April-2023 10,322 9,090 1,231 9,90,456
May-2023 10,322 9,079 1,243 9,89,214
June-2023 10,322 9,068 1,254 9,87,959
July-2023 10,322 9,056 1,266 9,86,694
August-2023 10,322 9,045 1,277 9,85,417
  2 $ 1,23,863 $ 1,07,592 $ 16,271 $ 9,69,146
September-2023 10,322 9,033 1,289 9,84,128
October-2023 10,322 9,021 1,301 9,82,827
November-2023 10,322 9,009 1,313 9,81,514
December-2023 10,322 8,997 1,325 9,80,190
January-2024 10,322 8,985 1,337 9,78,853
February-2024 10,322 8,973 1,349 9,77,504
March-2024 10,322 8,960 1,361 9,76,142
April-2024 10,322 8,948 1,374 9,74,769
May-2024 10,322 8,935 1,387 9,73,382
June-2024 10,322 8,923 1,399 9,71,983
July-2024 10,322 8,910 1,412 9,70,571
August-2024 10,322 8,897 1,425 9,69,146
  3 $ 1,23,863 $ 1,05,709 $ 18,154 $ 9,50,992
September-2024 10,322 8,884 1,438 9,67,708
October-2024 10,322 8,871 1,451 9,66,257
November-2024 10,322 8,857 1,465 9,64,792
December-2024 10,322 8,844 1,478 9,63,314
January-2025 10,322 8,830 1,492 9,61,823
February-2025 10,322 8,817 1,505 9,60,317
March-2025 10,322 8,803 1,519 9,58,798
April-2025 10,322 8,789 1,533 9,57,265
May-2025 10,322 8,775 1,547 9,55,719
June-2025 10,322 8,761 1,561 9,54,157
July-2025 10,322 8,746 1,575 9,52,582
August-2025 10,322 8,732 1,590 9,50,992
  4 $ 1,23,863 $ 1,03,608 $ 20,254 $ 9,30,738
September-2025 10,322 8,717 1,604 9,49,388
October-2025 10,322 8,703 1,619 9,47,768
November-2025 10,322 8,688 1,634 9,46,134
December-2025 10,322 8,673 1,649 9,44,485
January-2026 10,322 8,658 1,664 9,42,821
February-2026 10,322 8,643 1,679 9,41,142
March-2026 10,322 8,627 1,695 9,39,447
April-2026 10,322 8,612 1,710 9,37,737
May-2026 10,322 8,596 1,726 9,36,011
June-2026 10,322 8,580 1,742 9,34,269
July-2026 10,322 8,564 1,758 9,32,511
August-2026 10,322 8,548 1,774 9,30,738
  5 $ 1,23,863 $ 1,01,264 $ 22,598 $ 9,08,139
September-2026 10,322 8,532 1,790 9,28,947
October-2026 10,322 8,515 1,807 9,27,141
November-2026 10,322 8,499 1,823 9,25,318
December-2026 10,322 8,482 1,840 9,23,478
January-2027 10,322 8,465 1,857 9,21,621
February-2027 10,322 8,448 1,874 9,19,748
March-2027 10,322 8,431 1,891 9,17,857
April-2027 10,322 8,414 1,908 9,15,949
May-2027 10,322 8,396 1,926 9,14,023
June-2027 10,322 8,379 1,943 9,12,080
July-2027 10,322 8,361 1,961 9,10,118
August-2027 10,322 8,343 1,979 9,08,139
  6 $ 1,23,863 $ 98,649 $ 25,213 $ 8,82,926
September-2027 10,322 8,325 1,997 9,06,142
October-2027 10,322 8,306 2,016 9,04,126
November-2027 10,322 8,288 2,034 9,02,092
December-2027 10,322 8,269 2,053 9,00,040
January-2028 10,322 8,250 2,072 8,97,968
February-2028 10,322 8,231 2,091 8,95,878
March-2028 10,322 8,212 2,110 8,93,768
April-2028 10,322 8,193 2,129 8,91,639
May-2028 10,322 8,173 2,149 8,89,490
June-2028 10,322 8,154 2,168 8,87,322
July-2028 10,322 8,134 2,188 8,85,134
August-2028 10,322 8,114 2,208 8,82,926
  7 $ 1,23,863 $ 95,732 $ 28,131 $ 8,54,795
September-2028 10,322 8,093 2,228 8,80,698
October-2028 10,322 8,073 2,249 8,78,449
November-2028 10,322 8,052 2,269 8,76,179
December-2028 10,322 8,032 2,290 8,73,889
January-2029 10,322 8,011 2,311 8,71,578
February-2029 10,322 7,989 2,332 8,69,245
March-2029 10,322 7,968 2,354 8,66,892
April-2029 10,322 7,947 2,375 8,64,516
May-2029 10,322 7,925 2,397 8,62,119
June-2029 10,322 7,903 2,419 8,59,700
July-2029 10,322 7,881 2,441 8,57,259
August-2029 10,322 7,858 2,464 8,54,795
  8 $ 1,23,863 $ 92,476 $ 31,386 $ 8,23,409
September-2029 10,322 7,836 2,486 8,52,309
October-2029 10,322 7,813 2,509 8,49,800
November-2029 10,322 7,790 2,532 8,47,268
December-2029 10,322 7,767 2,555 8,44,712
January-2030 10,322 7,743 2,579 8,42,134
February-2030 10,322 7,720 2,602 8,39,531
March-2030 10,322 7,696 2,626 8,36,905
April-2030 10,322 7,672 2,650 8,34,255
May-2030 10,322 7,647 2,675 8,31,580
June-2030 10,322 7,623 2,699 8,28,881
July-2030 10,322 7,598 2,724 8,26,158
August-2030 10,322 7,573 2,749 8,23,409
  9 $ 1,23,863 $ 88,844 $ 35,018 $ 7,88,391
September-2030 10,322 7,548 2,774 8,20,635
October-2030 10,322 7,522 2,799 8,17,835
November-2030 10,322 7,497 2,825 8,15,010
December-2030 10,322 7,471 2,851 8,12,159
January-2031 10,322 7,445 2,877 8,09,282
February-2031 10,322 7,418 2,903 8,06,379
March-2031 10,322 7,392 2,930 8,03,449
April-2031 10,322 7,365 2,957 8,00,492
May-2031 10,322 7,338 2,984 7,97,508
June-2031 10,322 7,310 3,011 7,94,496
July-2031 10,322 7,283 3,039 7,91,457
August-2031 10,322 7,255 3,067 7,88,391
  10 $ 1,23,863 $ 84,792 $ 39,071 $ 7,49,320
September-2031 10,322 7,227 3,095 7,85,296
October-2031 10,322 7,199 3,123 7,82,172
November-2031 10,322 7,170 3,152 7,79,020
December-2031 10,322 7,141 3,181 7,75,839
January-2032 10,322 7,112 3,210 7,72,629
February-2032 10,322 7,082 3,239 7,69,390
March-2032 10,322 7,053 3,269 7,66,121
April-2032 10,322 7,023 3,299 7,62,822
May-2032 10,322 6,993 3,329 7,59,492
June-2032 10,322 6,962 3,360 7,56,132
July-2032 10,322 6,931 3,391 7,52,742
August-2032 10,322 6,900 3,422 7,49,320
  11 $ 1,23,863 $ 80,271 $ 43,592 $ 7,05,728
September-2032 10,322 6,869 3,453 7,45,867
October-2032 10,322 6,837 3,485 7,42,382
November-2032 10,322 6,805 3,517 7,38,865
December-2032 10,322 6,773 3,549 7,35,316
January-2033 10,322 6,740 3,581 7,31,735
February-2033 10,322 6,708 3,614 7,28,121
March-2033 10,322 6,674 3,647 7,24,473
April-2033 10,322 6,641 3,681 7,20,792
May-2033 10,322 6,607 3,715 7,17,078
June-2033 10,322 6,573 3,749 7,13,329
July-2033 10,322 6,539 3,783 7,09,546
August-2033 10,322 6,504 3,818 7,05,728
  12 $ 1,23,863 $ 75,227 $ 48,636 $ 6,57,092
September-2033 10,322 6,469 3,853 7,01,876
October-2033 10,322 6,434 3,888 6,97,988
November-2033 10,322 6,398 3,924 6,94,064
December-2033 10,322 6,362 3,960 6,90,104
January-2034 10,322 6,326 3,996 6,86,108
February-2034 10,322 6,289 4,033 6,82,076
March-2034 10,322 6,252 4,070 6,78,006
April-2034 10,322 6,215 4,107 6,73,899
May-2034 10,322 6,177 4,144 6,69,755
June-2034 10,322 6,139 4,182 6,65,572
July-2034 10,322 6,101 4,221 6,61,352
August-2034 10,322 6,062 4,259 6,57,092
  13 $ 1,23,863 $ 69,598 $ 54,264 $ 6,02,828
September-2034 10,322 6,023 4,299 6,52,794
October-2034 10,322 5,984 4,338 6,48,456
November-2034 10,322 5,944 4,378 6,44,078
December-2034 10,322 5,904 4,418 6,39,660
January-2035 10,322 5,864 4,458 6,35,202
February-2035 10,322 5,823 4,499 6,30,703
March-2035 10,322 5,781 4,540 6,26,162
April-2035 10,322 5,740 4,582 6,21,580
May-2035 10,322 5,698 4,624 6,16,956
June-2035 10,322 5,655 4,666 6,12,290
July-2035 10,322 5,613 4,709 6,07,580
August-2035 10,322 5,569 4,752 6,02,828
  14 $ 1,23,863 $ 63,319 $ 60,544 $ 5,42,284
September-2035 10,322 5,526 4,796 5,98,032
October-2035 10,322 5,482 4,840 5,93,192
November-2035 10,322 5,438 4,884 5,88,308
December-2035 10,322 5,393 4,929 5,83,379
January-2036 10,322 5,348 4,974 5,78,405
February-2036 10,322 5,302 5,020 5,73,385
March-2036 10,322 5,256 5,066 5,68,319
April-2036 10,322 5,210 5,112 5,63,207
May-2036 10,322 5,163 5,159 5,58,047
June-2036 10,322 5,115 5,206 5,52,841
July-2036 10,322 5,068 5,254 5,47,587
August-2036 10,322 5,020 5,302 5,42,284
  15 $ 1,23,863 $ 56,313 $ 67,550 $ 4,74,735
September-2036 10,322 4,971 5,351 5,36,933
October-2036 10,322 4,922 5,400 5,31,533
November-2036 10,322 4,872 5,449 5,26,084
December-2036 10,322 4,822 5,499 5,20,585
January-2037 10,322 4,772 5,550 5,15,035
February-2037 10,322 4,721 5,601 5,09,434
March-2037 10,322 4,670 5,652 5,03,782
April-2037 10,322 4,618 5,704 4,98,078
May-2037 10,322 4,566 5,756 4,92,322
June-2037 10,322 4,513 5,809 4,86,513
July-2037 10,322 4,460 5,862 4,80,651
August-2037 10,322 4,406 5,916 4,74,735
  16 $ 1,23,863 $ 48,496 $ 75,366 $ 3,99,368
September-2037 10,322 4,352 5,970 4,68,765
October-2037 10,322 4,297 6,025 4,62,740
November-2037 10,322 4,242 6,080 4,56,660
December-2037 10,322 4,186 6,136 4,50,524
January-2038 10,322 4,130 6,192 4,44,332
February-2038 10,322 4,073 6,249 4,38,083
March-2038 10,322 4,016 6,306 4,31,777
April-2038 10,322 3,958 6,364 4,25,413
May-2038 10,322 3,900 6,422 4,18,991
June-2038 10,322 3,841 6,481 4,12,509
July-2038 10,322 3,781 6,541 4,05,969
August-2038 10,322 3,721 6,601 3,99,368
  17 $ 1,23,863 $ 39,775 $ 84,088 $ 3,15,281
September-2038 10,322 3,661 6,661 3,92,707
October-2038 10,322 3,600 6,722 3,85,985
November-2038 10,322 3,538 6,784 3,79,202
December-2038 10,322 3,476 6,846 3,72,356
January-2039 10,322 3,413 6,909 3,65,447
February-2039 10,322 3,350 6,972 3,58,475
March-2039 10,322 3,286 7,036 3,51,439
April-2039 10,322 3,222 7,100 3,44,339
May-2039 10,322 3,156 7,165 3,37,173
June-2039 10,322 3,091 7,231 3,29,942
July-2039 10,322 3,024 7,297 3,22,645
August-2039 10,322 2,958 7,364 3,15,281
  18 $ 1,23,863 $ 30,044 $ 93,818 $ 2,21,462
September-2039 10,322 2,890 7,432 3,07,849
October-2039 10,322 2,822 7,500 3,00,349
November-2039 10,322 2,753 7,569 2,92,780
December-2039 10,322 2,684 7,638 2,85,142
January-2040 10,322 2,614 7,708 2,77,434
February-2040 10,322 2,543 7,779 2,69,655
March-2040 10,322 2,472 7,850 2,61,805
April-2040 10,322 2,400 7,922 2,53,883
May-2040 10,322 2,327 7,995 2,45,889
June-2040 10,322 2,254 8,068 2,37,821
July-2040 10,322 2,180 8,142 2,29,679
August-2040 10,322 2,105 8,216 2,21,462
  19 $ 1,23,863 $ 19,188 $ 1,04,675 $ 1,16,788
September-2040 10,322 2,030 8,292 2,13,171
October-2040 10,322 1,954 8,368 2,04,803
November-2040 10,322 1,877 8,445 1,96,358
December-2040 10,322 1,800 8,522 1,87,836
January-2041 10,322 1,722 8,600 1,79,236
February-2041 10,322 1,643 8,679 1,70,557
March-2041 10,322 1,563 8,758 1,61,799
April-2041 10,322 1,483 8,839 1,52,960
May-2041 10,322 1,402 8,920 1,44,040
June-2041 10,322 1,320 9,002 1,35,039
July-2041 10,322 1,238 9,084 1,25,955
August-2041 10,322 1,155 9,167 1,16,788
  20 $ 1,23,863 $ 7,075 $ 1,16,788 $ -0
September-2041 10,322 1,071 9,251 1,07,536
October-2041 10,322 986 9,336 98,200
November-2041 10,322 900 9,422 88,778
December-2041 10,322 814 9,508 79,270
January-2042 10,322 727 9,595 69,675
February-2042 10,322 639 9,683 59,992
March-2042 10,322 550 9,772 50,220
April-2042 10,322 460 9,862 40,358
May-2042 10,322 370 9,952 30,407
June-2042 10,322 279 10,043 20,363
July-2042 10,322 187 10,135 10,228
August-2042 10,322 94 10,228 -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 %