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 = 26-March-2044

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
April-2024 11,011 10,000 1,011 9,98,989
May-2024 11,011 9,990 1,021 9,97,968
June-2024 11,011 9,980 1,031 9,96,937
July-2024 11,011 9,969 1,041 9,95,895
August-2024 11,011 9,959 1,052 9,94,844
September-2024 11,011 9,948 1,062 9,93,781
October-2024 11,011 9,938 1,073 9,92,708
November-2024 11,011 9,927 1,084 9,91,624
December-2024 11,011 9,916 1,095 9,90,530
January-2025 11,011 9,905 1,106 9,89,424
February-2025 11,011 9,894 1,117 9,88,308
March-2025 11,011 9,883 1,128 9,87,180
  2 $ 1,32,130 $ 1,17,684 $ 14,446 $ 9,72,734
April-2025 11,011 9,872 1,139 9,86,041
May-2025 11,011 9,860 1,150 9,84,890
June-2025 11,011 9,849 1,162 9,83,728
July-2025 11,011 9,837 1,174 9,82,555
August-2025 11,011 9,826 1,185 9,81,369
September-2025 11,011 9,814 1,197 9,80,172
October-2025 11,011 9,802 1,209 9,78,963
November-2025 11,011 9,790 1,221 9,77,742
December-2025 11,011 9,777 1,233 9,76,508
January-2026 11,011 9,765 1,246 9,75,263
February-2026 11,011 9,753 1,258 9,74,004
March-2026 11,011 9,740 1,271 9,72,734
  3 $ 1,32,130 $ 1,15,852 $ 16,278 $ 9,56,455
April-2026 11,011 9,727 1,284 9,71,450
May-2026 11,011 9,715 1,296 9,70,154
June-2026 11,011 9,702 1,309 9,68,844
July-2026 11,011 9,688 1,322 9,67,522
August-2026 11,011 9,675 1,336 9,66,186
September-2026 11,011 9,662 1,349 9,64,837
October-2026 11,011 9,648 1,362 9,63,475
November-2026 11,011 9,635 1,376 9,62,099
December-2026 11,011 9,621 1,390 9,60,709
January-2027 11,011 9,607 1,404 9,59,305
February-2027 11,011 9,593 1,418 9,57,887
March-2027 11,011 9,579 1,432 9,56,455
  4 $ 1,32,130 $ 1,13,788 $ 18,343 $ 9,38,112
April-2027 11,011 9,565 1,446 9,55,009
May-2027 11,011 9,550 1,461 9,53,548
June-2027 11,011 9,535 1,475 9,52,073
July-2027 11,011 9,521 1,490 9,50,583
August-2027 11,011 9,506 1,505 9,49,078
September-2027 11,011 9,491 1,520 9,47,558
October-2027 11,011 9,476 1,535 9,46,022
November-2027 11,011 9,460 1,551 9,44,472
December-2027 11,011 9,445 1,566 9,42,905
January-2028 11,011 9,429 1,582 9,41,324
February-2028 11,011 9,413 1,598 9,39,726
March-2028 11,011 9,397 1,614 9,38,112
  5 $ 1,32,130 $ 1,11,461 $ 20,669 $ 9,17,443
April-2028 11,011 9,381 1,630 9,36,483
May-2028 11,011 9,365 1,646 9,34,837
June-2028 11,011 9,348 1,662 9,33,174
July-2028 11,011 9,332 1,679 9,31,495
August-2028 11,011 9,315 1,696 9,29,799
September-2028 11,011 9,298 1,713 9,28,086
October-2028 11,011 9,281 1,730 9,26,356
November-2028 11,011 9,264 1,747 9,24,609
December-2028 11,011 9,246 1,765 9,22,844
January-2029 11,011 9,228 1,782 9,21,062
February-2029 11,011 9,211 1,800 9,19,262
March-2029 11,011 9,193 1,818 9,17,443
  6 $ 1,32,130 $ 1,08,840 $ 23,291 $ 8,94,153
April-2029 11,011 9,174 1,836 9,15,607
May-2029 11,011 9,156 1,855 9,13,752
June-2029 11,011 9,138 1,873 9,11,879
July-2029 11,011 9,119 1,892 9,09,987
August-2029 11,011 9,100 1,911 9,08,076
September-2029 11,011 9,081 1,930 9,06,146
October-2029 11,011 9,061 1,949 9,04,196
November-2029 11,011 9,042 1,969 9,02,227
December-2029 11,011 9,022 1,989 9,00,239
January-2030 11,011 9,002 2,008 8,98,230
February-2030 11,011 8,982 2,029 8,96,202
March-2030 11,011 8,962 2,049 8,94,153
  7 $ 1,32,130 $ 1,05,886 $ 26,244 $ 8,67,908
April-2030 11,011 8,942 2,069 8,92,083
May-2030 11,011 8,921 2,090 8,89,993
June-2030 11,011 8,900 2,111 8,87,882
July-2030 11,011 8,879 2,132 8,85,750
August-2030 11,011 8,858 2,153 8,83,597
September-2030 11,011 8,836 2,175 8,81,422
October-2030 11,011 8,814 2,197 8,79,226
November-2030 11,011 8,792 2,219 8,77,007
December-2030 11,011 8,770 2,241 8,74,766
January-2031 11,011 8,748 2,263 8,72,503
February-2031 11,011 8,725 2,286 8,70,217
March-2031 11,011 8,702 2,309 8,67,908
  8 $ 1,32,130 $ 1,02,558 $ 29,573 $ 8,38,336
April-2031 11,011 8,679 2,332 8,65,577
May-2031 11,011 8,656 2,355 8,63,222
June-2031 11,011 8,632 2,379 8,60,843
July-2031 11,011 8,608 2,402 8,58,441
August-2031 11,011 8,584 2,426 8,56,014
September-2031 11,011 8,560 2,451 8,53,563
October-2031 11,011 8,536 2,475 8,51,088
November-2031 11,011 8,511 2,500 8,48,588
December-2031 11,011 8,486 2,525 8,46,063
January-2032 11,011 8,461 2,550 8,43,513
February-2032 11,011 8,435 2,576 8,40,937
March-2032 11,011 8,409 2,601 8,38,336
  9 $ 1,32,130 $ 98,807 $ 33,323 $ 8,05,012
April-2032 11,011 8,383 2,628 8,35,708
May-2032 11,011 8,357 2,654 8,33,054
June-2032 11,011 8,331 2,680 8,30,374
July-2032 11,011 8,304 2,707 8,27,667
August-2032 11,011 8,277 2,734 8,24,933
September-2032 11,011 8,249 2,762 8,22,171
October-2032 11,011 8,222 2,789 8,19,382
November-2032 11,011 8,194 2,817 8,16,565
December-2032 11,011 8,166 2,845 8,13,720
January-2033 11,011 8,137 2,874 8,10,846
February-2033 11,011 8,108 2,902 8,07,944
March-2033 11,011 8,079 2,931 8,05,012
  10 $ 1,32,130 $ 94,581 $ 37,550 $ 7,67,463
April-2033 11,011 8,050 2,961 8,02,052
May-2033 11,011 8,021 2,990 7,99,061
June-2033 11,011 7,991 3,020 7,96,041
July-2033 11,011 7,960 3,050 7,92,991
August-2033 11,011 7,930 3,081 7,89,910
September-2033 11,011 7,899 3,112 7,86,798
October-2033 11,011 7,868 3,143 7,83,655
November-2033 11,011 7,837 3,174 7,80,481
December-2033 11,011 7,805 3,206 7,77,275
January-2034 11,011 7,773 3,238 7,74,036
February-2034 11,011 7,740 3,270 7,70,766
March-2034 11,011 7,708 3,303 7,67,463
  11 $ 1,32,130 $ 89,819 $ 42,312 $ 7,25,151
April-2034 11,011 7,675 3,336 7,64,127
May-2034 11,011 7,641 3,370 7,60,757
June-2034 11,011 7,608 3,403 7,57,354
July-2034 11,011 7,574 3,437 7,53,916
August-2034 11,011 7,539 3,472 7,50,445
September-2034 11,011 7,504 3,506 7,46,938
October-2034 11,011 7,469 3,541 7,43,397
November-2034 11,011 7,434 3,577 7,39,820
December-2034 11,011 7,398 3,613 7,36,207
January-2035 11,011 7,362 3,649 7,32,558
February-2035 11,011 7,326 3,685 7,28,873
March-2035 11,011 7,289 3,722 7,25,151
  12 $ 1,32,130 $ 84,452 $ 47,678 $ 6,77,473
April-2035 11,011 7,252 3,759 7,21,392
May-2035 11,011 7,214 3,797 7,17,595
June-2035 11,011 7,176 3,835 7,13,760
July-2035 11,011 7,138 3,873 7,09,887
August-2035 11,011 7,099 3,912 7,05,975
September-2035 11,011 7,060 3,951 7,02,023
October-2035 11,011 7,020 3,991 6,98,033
November-2035 11,011 6,980 4,031 6,94,002
December-2035 11,011 6,940 4,071 6,89,931
January-2036 11,011 6,899 4,112 6,85,820
February-2036 11,011 6,858 4,153 6,81,667
March-2036 11,011 6,817 4,194 6,77,473
  13 $ 1,32,130 $ 78,406 $ 53,725 $ 6,23,748
April-2036 11,011 6,775 4,236 6,73,237
May-2036 11,011 6,732 4,278 6,68,958
June-2036 11,011 6,690 4,321 6,64,637
July-2036 11,011 6,646 4,364 6,60,273
August-2036 11,011 6,603 4,408 6,55,864
September-2036 11,011 6,559 4,452 6,51,412
October-2036 11,011 6,514 4,497 6,46,916
November-2036 11,011 6,469 4,542 6,42,374
December-2036 11,011 6,424 4,587 6,37,787
January-2037 11,011 6,378 4,633 6,33,154
February-2037 11,011 6,332 4,679 6,28,474
March-2037 11,011 6,285 4,726 6,23,748
  14 $ 1,32,130 $ 71,592 $ 60,538 $ 5,63,210
April-2037 11,011 6,237 4,773 6,18,975
May-2037 11,011 6,190 4,821 6,14,154
June-2037 11,011 6,142 4,869 6,09,284
July-2037 11,011 6,093 4,918 6,04,366
August-2037 11,011 6,044 4,967 5,99,399
September-2037 11,011 5,994 5,017 5,94,382
October-2037 11,011 5,944 5,067 5,89,315
November-2037 11,011 5,893 5,118 5,84,198
December-2037 11,011 5,842 5,169 5,79,029
January-2038 11,011 5,790 5,221 5,73,808
February-2038 11,011 5,738 5,273 5,68,535
March-2038 11,011 5,685 5,326 5,63,210
  15 $ 1,32,130 $ 63,914 $ 68,216 $ 4,94,994
April-2038 11,011 5,632 5,379 5,57,831
May-2038 11,011 5,578 5,433 5,52,399
June-2038 11,011 5,524 5,487 5,46,912
July-2038 11,011 5,469 5,542 5,41,370
August-2038 11,011 5,414 5,597 5,35,773
September-2038 11,011 5,358 5,653 5,30,120
October-2038 11,011 5,301 5,710 5,24,410
November-2038 11,011 5,244 5,767 5,18,643
December-2038 11,011 5,186 5,824 5,12,819
January-2039 11,011 5,128 5,883 5,06,936
February-2039 11,011 5,069 5,942 5,00,995
March-2039 11,011 5,010 6,001 4,94,994
  16 $ 1,32,130 $ 55,263 $ 76,868 $ 4,18,126
April-2039 11,011 4,950 6,061 4,88,933
May-2039 11,011 4,889 6,122 4,82,811
June-2039 11,011 4,828 6,183 4,76,628
July-2039 11,011 4,766 6,245 4,70,384
August-2039 11,011 4,704 6,307 4,64,077
September-2039 11,011 4,641 6,370 4,57,707
October-2039 11,011 4,577 6,434 4,51,273
November-2039 11,011 4,513 6,498 4,44,775
December-2039 11,011 4,448 6,563 4,38,212
January-2040 11,011 4,382 6,629 4,31,583
February-2040 11,011 4,316 6,695 4,24,888
March-2040 11,011 4,249 6,762 4,18,126
  17 $ 1,32,130 $ 45,514 $ 86,616 $ 3,31,510
April-2040 11,011 4,181 6,830 4,11,296
May-2040 11,011 4,113 6,898 4,04,399
June-2040 11,011 4,044 6,967 3,97,432
July-2040 11,011 3,974 7,037 3,90,395
August-2040 11,011 3,904 7,107 3,83,288
September-2040 11,011 3,833 7,178 3,76,110
October-2040 11,011 3,761 7,250 3,68,860
November-2040 11,011 3,689 7,322 3,61,538
December-2040 11,011 3,615 7,395 3,54,143
January-2041 11,011 3,541 7,469 3,46,673
February-2041 11,011 3,467 7,544 3,39,129
March-2041 11,011 3,391 7,620 3,31,510
  18 $ 1,32,130 $ 34,529 $ 97,602 $ 2,33,908
April-2041 11,011 3,315 7,696 3,23,814
May-2041 11,011 3,238 7,773 3,16,041
June-2041 11,011 3,160 7,850 3,08,191
July-2041 11,011 3,082 7,929 3,00,262
August-2041 11,011 3,003 8,008 2,92,253
September-2041 11,011 2,923 8,088 2,84,165
October-2041 11,011 2,842 8,169 2,75,996
November-2041 11,011 2,760 8,251 2,67,745
December-2041 11,011 2,677 8,333 2,59,412
January-2042 11,011 2,594 8,417 2,50,995
February-2042 11,011 2,510 8,501 2,42,494
March-2042 11,011 2,425 8,586 2,33,908
  19 $ 1,32,130 $ 22,150 $ 1,09,980 $ 1,23,928
April-2042 11,011 2,339 8,672 2,25,236
May-2042 11,011 2,252 8,758 2,16,478
June-2042 11,011 2,165 8,846 2,07,632
July-2042 11,011 2,076 8,935 1,98,697
August-2042 11,011 1,987 9,024 1,89,673
September-2042 11,011 1,897 9,114 1,80,559
October-2042 11,011 1,806 9,205 1,71,354
November-2042 11,011 1,714 9,297 1,62,056
December-2042 11,011 1,621 9,390 1,52,666
January-2043 11,011 1,527 9,484 1,43,182
February-2043 11,011 1,432 9,579 1,33,603
March-2043 11,011 1,336 9,675 1,23,928
  20 $ 1,32,130 $ 8,202 $ 1,23,928 $ -0
April-2043 11,011 1,239 9,772 1,14,157
May-2043 11,011 1,142 9,869 1,04,287
June-2043 11,011 1,043 9,968 94,319
July-2043 11,011 943 10,068 84,252
August-2043 11,011 843 10,168 74,083
September-2043 11,011 741 10,270 63,813
October-2043 11,011 638 10,373 53,440
November-2043 11,011 534 10,476 42,964
December-2043 11,011 430 10,581 32,383
January-2044 11,011 324 10,687 21,696
February-2044 11,011 217 10,794 10,902
March-2044 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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