Loan Tenure Calculator – Calculate Loan Duration by EMI & Interest

 Easily calculate your loan tenure with our smart Loan Tenure Calculator. Just enter your loan amount, interest rate, and EMI amount to instantly know how many months or years it will take to repay your loan.


Loan Parameters
Loan Amount
₹
Interest rate
%
EMI Amount*
[Approximate]
₹
EMI Start Date :
Repayment Details

Loan Amount :₹ 1,00,000

Interest Rate : 12.00%

EMI : ₹ 4,889

Loan Term : 23 months [1 Years 11 Months ]

Total Interest : ₹ 12,437

Total Payments : ₹ 1,12,437

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 ₹ 58,663 ₹ 9,346 ₹ 49,317 ₹ 50,683
May-2026 4,889 1,000 3,889 96,111
June-2026 4,889 961 3,927 92,184
July-2026 4,889 922 3,967 88,217
August-2026 4,889 882 4,006 84,211
September-2026 4,889 842 4,046 80,164
October-2026 4,889 802 4,087 76,077
November-2026 4,889 761 4,128 71,950
December-2026 4,889 719 4,169 67,780
January-2027 4,889 678 4,211 63,570
February-2027 4,889 636 4,253 59,317
March-2027 4,889 593 4,295 55,021
April-2027 4,889 550 4,338 50,683
  2 ₹ 53,774 ₹ 3,091 ₹ 50,683 ₹ 0
May-2027 4,889 507 4,382 46,301
June-2027 4,889 463 4,426 41,876
July-2027 4,889 419 4,470 37,406
August-2027 4,889 374 4,515 32,891
September-2027 4,889 329 4,560 28,332
October-2027 4,889 283 4,605 23,726
November-2027 4,889 237 4,651 19,075
December-2027 4,889 191 4,698 14,377
January-2028 4,889 144 4,745 9,632
February-2028 4,889 96 4,792 4,840
March-2028 4,889 48 4,840 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

Copyright © 2026 EMI-Calc.com

About | Contact | Widgets | Privacy Policy | Disclaimer