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