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 = $ 11,011

Total Interest = $ 16,42,607

Total Payments = $ 26,42,607

Periods = 240 months

Last EMI Date = 25-February-2045

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 $ 1,32,130 $ 1,19,310 $ 12,820 $ 9,87,180
March-2025 11,011 10,000 1,011 9,98,989
April-2025 11,011 9,990 1,021 9,97,968
May-2025 11,011 9,980 1,031 9,96,937
June-2025 11,011 9,969 1,041 9,95,895
July-2025 11,011 9,959 1,052 9,94,844
August-2025 11,011 9,948 1,062 9,93,781
September-2025 11,011 9,938 1,073 9,92,708
October-2025 11,011 9,927 1,084 9,91,624
November-2025 11,011 9,916 1,095 9,90,530
December-2025 11,011 9,905 1,106 9,89,424
January-2026 11,011 9,894 1,117 9,88,308
February-2026 11,011 9,883 1,128 9,87,180
  2 $ 1,32,130 $ 1,17,684 $ 14,446 $ 9,72,734
March-2026 11,011 9,872 1,139 9,86,041
April-2026 11,011 9,860 1,150 9,84,890
May-2026 11,011 9,849 1,162 9,83,728
June-2026 11,011 9,837 1,174 9,82,555
July-2026 11,011 9,826 1,185 9,81,369
August-2026 11,011 9,814 1,197 9,80,172
September-2026 11,011 9,802 1,209 9,78,963
October-2026 11,011 9,790 1,221 9,77,742
November-2026 11,011 9,777 1,233 9,76,508
December-2026 11,011 9,765 1,246 9,75,263
January-2027 11,011 9,753 1,258 9,74,004
February-2027 11,011 9,740 1,271 9,72,734
  3 $ 1,32,130 $ 1,15,852 $ 16,278 $ 9,56,455
March-2027 11,011 9,727 1,284 9,71,450
April-2027 11,011 9,715 1,296 9,70,154
May-2027 11,011 9,702 1,309 9,68,844
June-2027 11,011 9,688 1,322 9,67,522
July-2027 11,011 9,675 1,336 9,66,186
August-2027 11,011 9,662 1,349 9,64,837
September-2027 11,011 9,648 1,362 9,63,475
October-2027 11,011 9,635 1,376 9,62,099
November-2027 11,011 9,621 1,390 9,60,709
December-2027 11,011 9,607 1,404 9,59,305
January-2028 11,011 9,593 1,418 9,57,887
February-2028 11,011 9,579 1,432 9,56,455
  4 $ 1,32,130 $ 1,13,788 $ 18,343 $ 9,38,112
March-2028 11,011 9,565 1,446 9,55,009
April-2028 11,011 9,550 1,461 9,53,548
May-2028 11,011 9,535 1,475 9,52,073
June-2028 11,011 9,521 1,490 9,50,583
July-2028 11,011 9,506 1,505 9,49,078
August-2028 11,011 9,491 1,520 9,47,558
September-2028 11,011 9,476 1,535 9,46,022
October-2028 11,011 9,460 1,551 9,44,472
November-2028 11,011 9,445 1,566 9,42,905
December-2028 11,011 9,429 1,582 9,41,324
January-2029 11,011 9,413 1,598 9,39,726
February-2029 11,011 9,397 1,614 9,38,112
  5 $ 1,32,130 $ 1,11,461 $ 20,669 $ 9,17,443
March-2029 11,011 9,381 1,630 9,36,483
April-2029 11,011 9,365 1,646 9,34,837
May-2029 11,011 9,348 1,662 9,33,174
June-2029 11,011 9,332 1,679 9,31,495
July-2029 11,011 9,315 1,696 9,29,799
August-2029 11,011 9,298 1,713 9,28,086
September-2029 11,011 9,281 1,730 9,26,356
October-2029 11,011 9,264 1,747 9,24,609
November-2029 11,011 9,246 1,765 9,22,844
December-2029 11,011 9,228 1,782 9,21,062
January-2030 11,011 9,211 1,800 9,19,262
February-2030 11,011 9,193 1,818 9,17,443
  6 $ 1,32,130 $ 1,08,840 $ 23,291 $ 8,94,153
March-2030 11,011 9,174 1,836 9,15,607
April-2030 11,011 9,156 1,855 9,13,752
May-2030 11,011 9,138 1,873 9,11,879
June-2030 11,011 9,119 1,892 9,09,987
July-2030 11,011 9,100 1,911 9,08,076
August-2030 11,011 9,081 1,930 9,06,146
September-2030 11,011 9,061 1,949 9,04,196
October-2030 11,011 9,042 1,969 9,02,227
November-2030 11,011 9,022 1,989 9,00,239
December-2030 11,011 9,002 2,008 8,98,230
January-2031 11,011 8,982 2,029 8,96,202
February-2031 11,011 8,962 2,049 8,94,153
  7 $ 1,32,130 $ 1,05,886 $ 26,244 $ 8,67,908
March-2031 11,011 8,942 2,069 8,92,083
April-2031 11,011 8,921 2,090 8,89,993
May-2031 11,011 8,900 2,111 8,87,882
June-2031 11,011 8,879 2,132 8,85,750
July-2031 11,011 8,858 2,153 8,83,597
August-2031 11,011 8,836 2,175 8,81,422
September-2031 11,011 8,814 2,197 8,79,226
October-2031 11,011 8,792 2,219 8,77,007
November-2031 11,011 8,770 2,241 8,74,766
December-2031 11,011 8,748 2,263 8,72,503
January-2032 11,011 8,725 2,286 8,70,217
February-2032 11,011 8,702 2,309 8,67,908
  8 $ 1,32,130 $ 1,02,558 $ 29,573 $ 8,38,336
March-2032 11,011 8,679 2,332 8,65,577
April-2032 11,011 8,656 2,355 8,63,222
May-2032 11,011 8,632 2,379 8,60,843
June-2032 11,011 8,608 2,402 8,58,441
July-2032 11,011 8,584 2,426 8,56,014
August-2032 11,011 8,560 2,451 8,53,563
September-2032 11,011 8,536 2,475 8,51,088
October-2032 11,011 8,511 2,500 8,48,588
November-2032 11,011 8,486 2,525 8,46,063
December-2032 11,011 8,461 2,550 8,43,513
January-2033 11,011 8,435 2,576 8,40,937
February-2033 11,011 8,409 2,601 8,38,336
  9 $ 1,32,130 $ 98,807 $ 33,323 $ 8,05,012
March-2033 11,011 8,383 2,628 8,35,708
April-2033 11,011 8,357 2,654 8,33,054
May-2033 11,011 8,331 2,680 8,30,374
June-2033 11,011 8,304 2,707 8,27,667
July-2033 11,011 8,277 2,734 8,24,933
August-2033 11,011 8,249 2,762 8,22,171
September-2033 11,011 8,222 2,789 8,19,382
October-2033 11,011 8,194 2,817 8,16,565
November-2033 11,011 8,166 2,845 8,13,720
December-2033 11,011 8,137 2,874 8,10,846
January-2034 11,011 8,108 2,902 8,07,944
February-2034 11,011 8,079 2,931 8,05,012
  10 $ 1,32,130 $ 94,581 $ 37,550 $ 7,67,463
March-2034 11,011 8,050 2,961 8,02,052
April-2034 11,011 8,021 2,990 7,99,061
May-2034 11,011 7,991 3,020 7,96,041
June-2034 11,011 7,960 3,050 7,92,991
July-2034 11,011 7,930 3,081 7,89,910
August-2034 11,011 7,899 3,112 7,86,798
September-2034 11,011 7,868 3,143 7,83,655
October-2034 11,011 7,837 3,174 7,80,481
November-2034 11,011 7,805 3,206 7,77,275
December-2034 11,011 7,773 3,238 7,74,036
January-2035 11,011 7,740 3,270 7,70,766
February-2035 11,011 7,708 3,303 7,67,463
  11 $ 1,32,130 $ 89,819 $ 42,312 $ 7,25,151
March-2035 11,011 7,675 3,336 7,64,127
April-2035 11,011 7,641 3,370 7,60,757
May-2035 11,011 7,608 3,403 7,57,354
June-2035 11,011 7,574 3,437 7,53,916
July-2035 11,011 7,539 3,472 7,50,445
August-2035 11,011 7,504 3,506 7,46,938
September-2035 11,011 7,469 3,541 7,43,397
October-2035 11,011 7,434 3,577 7,39,820
November-2035 11,011 7,398 3,613 7,36,207
December-2035 11,011 7,362 3,649 7,32,558
January-2036 11,011 7,326 3,685 7,28,873
February-2036 11,011 7,289 3,722 7,25,151
  12 $ 1,32,130 $ 84,452 $ 47,678 $ 6,77,473
March-2036 11,011 7,252 3,759 7,21,392
April-2036 11,011 7,214 3,797 7,17,595
May-2036 11,011 7,176 3,835 7,13,760
June-2036 11,011 7,138 3,873 7,09,887
July-2036 11,011 7,099 3,912 7,05,975
August-2036 11,011 7,060 3,951 7,02,023
September-2036 11,011 7,020 3,991 6,98,033
October-2036 11,011 6,980 4,031 6,94,002
November-2036 11,011 6,940 4,071 6,89,931
December-2036 11,011 6,899 4,112 6,85,820
January-2037 11,011 6,858 4,153 6,81,667
February-2037 11,011 6,817 4,194 6,77,473
  13 $ 1,32,130 $ 78,406 $ 53,725 $ 6,23,748
March-2037 11,011 6,775 4,236 6,73,237
April-2037 11,011 6,732 4,278 6,68,958
May-2037 11,011 6,690 4,321 6,64,637
June-2037 11,011 6,646 4,364 6,60,273
July-2037 11,011 6,603 4,408 6,55,864
August-2037 11,011 6,559 4,452 6,51,412
September-2037 11,011 6,514 4,497 6,46,916
October-2037 11,011 6,469 4,542 6,42,374
November-2037 11,011 6,424 4,587 6,37,787
December-2037 11,011 6,378 4,633 6,33,154
January-2038 11,011 6,332 4,679 6,28,474
February-2038 11,011 6,285 4,726 6,23,748
  14 $ 1,32,130 $ 71,592 $ 60,538 $ 5,63,210
March-2038 11,011 6,237 4,773 6,18,975
April-2038 11,011 6,190 4,821 6,14,154
May-2038 11,011 6,142 4,869 6,09,284
June-2038 11,011 6,093 4,918 6,04,366
July-2038 11,011 6,044 4,967 5,99,399
August-2038 11,011 5,994 5,017 5,94,382
September-2038 11,011 5,944 5,067 5,89,315
October-2038 11,011 5,893 5,118 5,84,198
November-2038 11,011 5,842 5,169 5,79,029
December-2038 11,011 5,790 5,221 5,73,808
January-2039 11,011 5,738 5,273 5,68,535
February-2039 11,011 5,685 5,326 5,63,210
  15 $ 1,32,130 $ 63,914 $ 68,216 $ 4,94,994
March-2039 11,011 5,632 5,379 5,57,831
April-2039 11,011 5,578 5,433 5,52,399
May-2039 11,011 5,524 5,487 5,46,912
June-2039 11,011 5,469 5,542 5,41,370
July-2039 11,011 5,414 5,597 5,35,773
August-2039 11,011 5,358 5,653 5,30,120
September-2039 11,011 5,301 5,710 5,24,410
October-2039 11,011 5,244 5,767 5,18,643
November-2039 11,011 5,186 5,824 5,12,819
December-2039 11,011 5,128 5,883 5,06,936
January-2040 11,011 5,069 5,942 5,00,995
February-2040 11,011 5,010 6,001 4,94,994
  16 $ 1,32,130 $ 55,263 $ 76,868 $ 4,18,126
March-2040 11,011 4,950 6,061 4,88,933
April-2040 11,011 4,889 6,122 4,82,811
May-2040 11,011 4,828 6,183 4,76,628
June-2040 11,011 4,766 6,245 4,70,384
July-2040 11,011 4,704 6,307 4,64,077
August-2040 11,011 4,641 6,370 4,57,707
September-2040 11,011 4,577 6,434 4,51,273
October-2040 11,011 4,513 6,498 4,44,775
November-2040 11,011 4,448 6,563 4,38,212
December-2040 11,011 4,382 6,629 4,31,583
January-2041 11,011 4,316 6,695 4,24,888
February-2041 11,011 4,249 6,762 4,18,126
  17 $ 1,32,130 $ 45,514 $ 86,616 $ 3,31,510
March-2041 11,011 4,181 6,830 4,11,296
April-2041 11,011 4,113 6,898 4,04,399
May-2041 11,011 4,044 6,967 3,97,432
June-2041 11,011 3,974 7,037 3,90,395
July-2041 11,011 3,904 7,107 3,83,288
August-2041 11,011 3,833 7,178 3,76,110
September-2041 11,011 3,761 7,250 3,68,860
October-2041 11,011 3,689 7,322 3,61,538
November-2041 11,011 3,615 7,395 3,54,143
December-2041 11,011 3,541 7,469 3,46,673
January-2042 11,011 3,467 7,544 3,39,129
February-2042 11,011 3,391 7,620 3,31,510
  18 $ 1,32,130 $ 34,529 $ 97,602 $ 2,33,908
March-2042 11,011 3,315 7,696 3,23,814
April-2042 11,011 3,238 7,773 3,16,041
May-2042 11,011 3,160 7,850 3,08,191
June-2042 11,011 3,082 7,929 3,00,262
July-2042 11,011 3,003 8,008 2,92,253
August-2042 11,011 2,923 8,088 2,84,165
September-2042 11,011 2,842 8,169 2,75,996
October-2042 11,011 2,760 8,251 2,67,745
November-2042 11,011 2,677 8,333 2,59,412
December-2042 11,011 2,594 8,417 2,50,995
January-2043 11,011 2,510 8,501 2,42,494
February-2043 11,011 2,425 8,586 2,33,908
  19 $ 1,32,130 $ 22,150 $ 1,09,980 $ 1,23,928
March-2043 11,011 2,339 8,672 2,25,236
April-2043 11,011 2,252 8,758 2,16,478
May-2043 11,011 2,165 8,846 2,07,632
June-2043 11,011 2,076 8,935 1,98,697
July-2043 11,011 1,987 9,024 1,89,673
August-2043 11,011 1,897 9,114 1,80,559
September-2043 11,011 1,806 9,205 1,71,354
October-2043 11,011 1,714 9,297 1,62,056
November-2043 11,011 1,621 9,390 1,52,666
December-2043 11,011 1,527 9,484 1,43,182
January-2044 11,011 1,432 9,579 1,33,603
February-2044 11,011 1,336 9,675 1,23,928
  20 $ 1,32,130 $ 8,202 $ 1,23,928 $ -0
March-2044 11,011 1,239 9,772 1,14,157
April-2044 11,011 1,142 9,869 1,04,287
May-2044 11,011 1,043 9,968 94,319
June-2044 11,011 943 10,068 84,252
July-2044 11,011 843 10,168 74,083
August-2044 11,011 741 10,270 63,813
September-2044 11,011 638 10,373 53,440
October-2044 11,011 534 10,476 42,964
November-2044 11,011 430 10,581 32,383
December-2044 11,011 324 10,687 21,696
January-2045 11,011 217 10,794 10,902
February-2045 11,011 109 10,902 -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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