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 = 28-August-2042

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
September-2022 11,011 10,000 1,011 9,98,989
October-2022 11,011 9,990 1,021 9,97,968
November-2022 11,011 9,980 1,031 9,96,937
December-2022 11,011 9,969 1,041 9,95,895
January-2023 11,011 9,959 1,052 9,94,844
February-2023 11,011 9,948 1,062 9,93,781
March-2023 11,011 9,938 1,073 9,92,708
April-2023 11,011 9,927 1,084 9,91,624
May-2023 11,011 9,916 1,095 9,90,530
June-2023 11,011 9,905 1,106 9,89,424
July-2023 11,011 9,894 1,117 9,88,308
August-2023 11,011 9,883 1,128 9,87,180
  2 $ 1,32,130 $ 1,17,684 $ 14,446 $ 9,72,734
September-2023 11,011 9,872 1,139 9,86,041
October-2023 11,011 9,860 1,150 9,84,890
November-2023 11,011 9,849 1,162 9,83,728
December-2023 11,011 9,837 1,174 9,82,555
January-2024 11,011 9,826 1,185 9,81,369
February-2024 11,011 9,814 1,197 9,80,172
March-2024 11,011 9,802 1,209 9,78,963
April-2024 11,011 9,790 1,221 9,77,742
May-2024 11,011 9,777 1,233 9,76,508
June-2024 11,011 9,765 1,246 9,75,263
July-2024 11,011 9,753 1,258 9,74,004
August-2024 11,011 9,740 1,271 9,72,734
  3 $ 1,32,130 $ 1,15,852 $ 16,278 $ 9,56,455
September-2024 11,011 9,727 1,284 9,71,450
October-2024 11,011 9,715 1,296 9,70,154
November-2024 11,011 9,702 1,309 9,68,844
December-2024 11,011 9,688 1,322 9,67,522
January-2025 11,011 9,675 1,336 9,66,186
February-2025 11,011 9,662 1,349 9,64,837
March-2025 11,011 9,648 1,362 9,63,475
April-2025 11,011 9,635 1,376 9,62,099
May-2025 11,011 9,621 1,390 9,60,709
June-2025 11,011 9,607 1,404 9,59,305
July-2025 11,011 9,593 1,418 9,57,887
August-2025 11,011 9,579 1,432 9,56,455
  4 $ 1,32,130 $ 1,13,788 $ 18,343 $ 9,38,112
September-2025 11,011 9,565 1,446 9,55,009
October-2025 11,011 9,550 1,461 9,53,548
November-2025 11,011 9,535 1,475 9,52,073
December-2025 11,011 9,521 1,490 9,50,583
January-2026 11,011 9,506 1,505 9,49,078
February-2026 11,011 9,491 1,520 9,47,558
March-2026 11,011 9,476 1,535 9,46,022
April-2026 11,011 9,460 1,551 9,44,472
May-2026 11,011 9,445 1,566 9,42,905
June-2026 11,011 9,429 1,582 9,41,324
July-2026 11,011 9,413 1,598 9,39,726
August-2026 11,011 9,397 1,614 9,38,112
  5 $ 1,32,130 $ 1,11,461 $ 20,669 $ 9,17,443
September-2026 11,011 9,381 1,630 9,36,483
October-2026 11,011 9,365 1,646 9,34,837
November-2026 11,011 9,348 1,662 9,33,174
December-2026 11,011 9,332 1,679 9,31,495
January-2027 11,011 9,315 1,696 9,29,799
February-2027 11,011 9,298 1,713 9,28,086
March-2027 11,011 9,281 1,730 9,26,356
April-2027 11,011 9,264 1,747 9,24,609
May-2027 11,011 9,246 1,765 9,22,844
June-2027 11,011 9,228 1,782 9,21,062
July-2027 11,011 9,211 1,800 9,19,262
August-2027 11,011 9,193 1,818 9,17,443
  6 $ 1,32,130 $ 1,08,840 $ 23,291 $ 8,94,153
September-2027 11,011 9,174 1,836 9,15,607
October-2027 11,011 9,156 1,855 9,13,752
November-2027 11,011 9,138 1,873 9,11,879
December-2027 11,011 9,119 1,892 9,09,987
January-2028 11,011 9,100 1,911 9,08,076
February-2028 11,011 9,081 1,930 9,06,146
March-2028 11,011 9,061 1,949 9,04,196
April-2028 11,011 9,042 1,969 9,02,227
May-2028 11,011 9,022 1,989 9,00,239
June-2028 11,011 9,002 2,008 8,98,230
July-2028 11,011 8,982 2,029 8,96,202
August-2028 11,011 8,962 2,049 8,94,153
  7 $ 1,32,130 $ 1,05,886 $ 26,244 $ 8,67,908
September-2028 11,011 8,942 2,069 8,92,083
October-2028 11,011 8,921 2,090 8,89,993
November-2028 11,011 8,900 2,111 8,87,882
December-2028 11,011 8,879 2,132 8,85,750
January-2029 11,011 8,858 2,153 8,83,597
February-2029 11,011 8,836 2,175 8,81,422
March-2029 11,011 8,814 2,197 8,79,226
April-2029 11,011 8,792 2,219 8,77,007
May-2029 11,011 8,770 2,241 8,74,766
June-2029 11,011 8,748 2,263 8,72,503
July-2029 11,011 8,725 2,286 8,70,217
August-2029 11,011 8,702 2,309 8,67,908
  8 $ 1,32,130 $ 1,02,558 $ 29,573 $ 8,38,336
September-2029 11,011 8,679 2,332 8,65,577
October-2029 11,011 8,656 2,355 8,63,222
November-2029 11,011 8,632 2,379 8,60,843
December-2029 11,011 8,608 2,402 8,58,441
January-2030 11,011 8,584 2,426 8,56,014
February-2030 11,011 8,560 2,451 8,53,563
March-2030 11,011 8,536 2,475 8,51,088
April-2030 11,011 8,511 2,500 8,48,588
May-2030 11,011 8,486 2,525 8,46,063
June-2030 11,011 8,461 2,550 8,43,513
July-2030 11,011 8,435 2,576 8,40,937
August-2030 11,011 8,409 2,601 8,38,336
  9 $ 1,32,130 $ 98,807 $ 33,323 $ 8,05,012
September-2030 11,011 8,383 2,628 8,35,708
October-2030 11,011 8,357 2,654 8,33,054
November-2030 11,011 8,331 2,680 8,30,374
December-2030 11,011 8,304 2,707 8,27,667
January-2031 11,011 8,277 2,734 8,24,933
February-2031 11,011 8,249 2,762 8,22,171
March-2031 11,011 8,222 2,789 8,19,382
April-2031 11,011 8,194 2,817 8,16,565
May-2031 11,011 8,166 2,845 8,13,720
June-2031 11,011 8,137 2,874 8,10,846
July-2031 11,011 8,108 2,902 8,07,944
August-2031 11,011 8,079 2,931 8,05,012
  10 $ 1,32,130 $ 94,581 $ 37,550 $ 7,67,463
September-2031 11,011 8,050 2,961 8,02,052
October-2031 11,011 8,021 2,990 7,99,061
November-2031 11,011 7,991 3,020 7,96,041
December-2031 11,011 7,960 3,050 7,92,991
January-2032 11,011 7,930 3,081 7,89,910
February-2032 11,011 7,899 3,112 7,86,798
March-2032 11,011 7,868 3,143 7,83,655
April-2032 11,011 7,837 3,174 7,80,481
May-2032 11,011 7,805 3,206 7,77,275
June-2032 11,011 7,773 3,238 7,74,036
July-2032 11,011 7,740 3,270 7,70,766
August-2032 11,011 7,708 3,303 7,67,463
  11 $ 1,32,130 $ 89,819 $ 42,312 $ 7,25,151
September-2032 11,011 7,675 3,336 7,64,127
October-2032 11,011 7,641 3,370 7,60,757
November-2032 11,011 7,608 3,403 7,57,354
December-2032 11,011 7,574 3,437 7,53,916
January-2033 11,011 7,539 3,472 7,50,445
February-2033 11,011 7,504 3,506 7,46,938
March-2033 11,011 7,469 3,541 7,43,397
April-2033 11,011 7,434 3,577 7,39,820
May-2033 11,011 7,398 3,613 7,36,207
June-2033 11,011 7,362 3,649 7,32,558
July-2033 11,011 7,326 3,685 7,28,873
August-2033 11,011 7,289 3,722 7,25,151
  12 $ 1,32,130 $ 84,452 $ 47,678 $ 6,77,473
September-2033 11,011 7,252 3,759 7,21,392
October-2033 11,011 7,214 3,797 7,17,595
November-2033 11,011 7,176 3,835 7,13,760
December-2033 11,011 7,138 3,873 7,09,887
January-2034 11,011 7,099 3,912 7,05,975
February-2034 11,011 7,060 3,951 7,02,023
March-2034 11,011 7,020 3,991 6,98,033
April-2034 11,011 6,980 4,031 6,94,002
May-2034 11,011 6,940 4,071 6,89,931
June-2034 11,011 6,899 4,112 6,85,820
July-2034 11,011 6,858 4,153 6,81,667
August-2034 11,011 6,817 4,194 6,77,473
  13 $ 1,32,130 $ 78,406 $ 53,725 $ 6,23,748
September-2034 11,011 6,775 4,236 6,73,237
October-2034 11,011 6,732 4,278 6,68,958
November-2034 11,011 6,690 4,321 6,64,637
December-2034 11,011 6,646 4,364 6,60,273
January-2035 11,011 6,603 4,408 6,55,864
February-2035 11,011 6,559 4,452 6,51,412
March-2035 11,011 6,514 4,497 6,46,916
April-2035 11,011 6,469 4,542 6,42,374
May-2035 11,011 6,424 4,587 6,37,787
June-2035 11,011 6,378 4,633 6,33,154
July-2035 11,011 6,332 4,679 6,28,474
August-2035 11,011 6,285 4,726 6,23,748
  14 $ 1,32,130 $ 71,592 $ 60,538 $ 5,63,210
September-2035 11,011 6,237 4,773 6,18,975
October-2035 11,011 6,190 4,821 6,14,154
November-2035 11,011 6,142 4,869 6,09,284
December-2035 11,011 6,093 4,918 6,04,366
January-2036 11,011 6,044 4,967 5,99,399
February-2036 11,011 5,994 5,017 5,94,382
March-2036 11,011 5,944 5,067 5,89,315
April-2036 11,011 5,893 5,118 5,84,198
May-2036 11,011 5,842 5,169 5,79,029
June-2036 11,011 5,790 5,221 5,73,808
July-2036 11,011 5,738 5,273 5,68,535
August-2036 11,011 5,685 5,326 5,63,210
  15 $ 1,32,130 $ 63,914 $ 68,216 $ 4,94,994
September-2036 11,011 5,632 5,379 5,57,831
October-2036 11,011 5,578 5,433 5,52,399
November-2036 11,011 5,524 5,487 5,46,912
December-2036 11,011 5,469 5,542 5,41,370
January-2037 11,011 5,414 5,597 5,35,773
February-2037 11,011 5,358 5,653 5,30,120
March-2037 11,011 5,301 5,710 5,24,410
April-2037 11,011 5,244 5,767 5,18,643
May-2037 11,011 5,186 5,824 5,12,819
June-2037 11,011 5,128 5,883 5,06,936
July-2037 11,011 5,069 5,942 5,00,995
August-2037 11,011 5,010 6,001 4,94,994
  16 $ 1,32,130 $ 55,263 $ 76,868 $ 4,18,126
September-2037 11,011 4,950 6,061 4,88,933
October-2037 11,011 4,889 6,122 4,82,811
November-2037 11,011 4,828 6,183 4,76,628
December-2037 11,011 4,766 6,245 4,70,384
January-2038 11,011 4,704 6,307 4,64,077
February-2038 11,011 4,641 6,370 4,57,707
March-2038 11,011 4,577 6,434 4,51,273
April-2038 11,011 4,513 6,498 4,44,775
May-2038 11,011 4,448 6,563 4,38,212
June-2038 11,011 4,382 6,629 4,31,583
July-2038 11,011 4,316 6,695 4,24,888
August-2038 11,011 4,249 6,762 4,18,126
  17 $ 1,32,130 $ 45,514 $ 86,616 $ 3,31,510
September-2038 11,011 4,181 6,830 4,11,296
October-2038 11,011 4,113 6,898 4,04,399
November-2038 11,011 4,044 6,967 3,97,432
December-2038 11,011 3,974 7,037 3,90,395
January-2039 11,011 3,904 7,107 3,83,288
February-2039 11,011 3,833 7,178 3,76,110
March-2039 11,011 3,761 7,250 3,68,860
April-2039 11,011 3,689 7,322 3,61,538
May-2039 11,011 3,615 7,395 3,54,143
June-2039 11,011 3,541 7,469 3,46,673
July-2039 11,011 3,467 7,544 3,39,129
August-2039 11,011 3,391 7,620 3,31,510
  18 $ 1,32,130 $ 34,529 $ 97,602 $ 2,33,908
September-2039 11,011 3,315 7,696 3,23,814
October-2039 11,011 3,238 7,773 3,16,041
November-2039 11,011 3,160 7,850 3,08,191
December-2039 11,011 3,082 7,929 3,00,262
January-2040 11,011 3,003 8,008 2,92,253
February-2040 11,011 2,923 8,088 2,84,165
March-2040 11,011 2,842 8,169 2,75,996
April-2040 11,011 2,760 8,251 2,67,745
May-2040 11,011 2,677 8,333 2,59,412
June-2040 11,011 2,594 8,417 2,50,995
July-2040 11,011 2,510 8,501 2,42,494
August-2040 11,011 2,425 8,586 2,33,908
  19 $ 1,32,130 $ 22,150 $ 1,09,980 $ 1,23,928
September-2040 11,011 2,339 8,672 2,25,236
October-2040 11,011 2,252 8,758 2,16,478
November-2040 11,011 2,165 8,846 2,07,632
December-2040 11,011 2,076 8,935 1,98,697
January-2041 11,011 1,987 9,024 1,89,673
February-2041 11,011 1,897 9,114 1,80,559
March-2041 11,011 1,806 9,205 1,71,354
April-2041 11,011 1,714 9,297 1,62,056
May-2041 11,011 1,621 9,390 1,52,666
June-2041 11,011 1,527 9,484 1,43,182
July-2041 11,011 1,432 9,579 1,33,603
August-2041 11,011 1,336 9,675 1,23,928
  20 $ 1,32,130 $ 8,202 $ 1,23,928 $ -0
September-2041 11,011 1,239 9,772 1,14,157
October-2041 11,011 1,142 9,869 1,04,287
November-2041 11,011 1,043 9,968 94,319
December-2041 11,011 943 10,068 84,252
January-2042 11,011 843 10,168 74,083
February-2042 11,011 741 10,270 63,813
March-2042 11,011 638 10,373 53,440
April-2042 11,011 534 10,476 42,964
May-2042 11,011 430 10,581 32,383
June-2042 11,011 324 10,687 21,696
July-2042 11,011 217 10,794 10,902
August-2042 11,011 109 10,902 -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 %