EMI Calculator
Calculate monthly EMI, total interest, and payoff timeline. Add prepayments (extra monthly or lumpsums) and compare scenarios.
Planner only; lender schedules may differ due to day count conventions, rounding, and fee/tax components.
Quick presets
one click
Presets adjust typical inputs; edit freely afterwards.
Loan inputs
Principal + rate + tenure.
v1
Principal borrowed.
Fixed nominal annual rate.
years ↔ months
Years
Months
Total tenure = years×12 + months.
Prepayment
Reduce interest & payoff faster.
Added to EMI each month (when enabled).
Lumpsum applies after EMI in that month (simple model).
Context & checks
SEO/AEO tags + input sanity.
Monthly EMI (₹)
—
Base EMI
Total interest (₹)
—
No prepayment
Total payment (₹)
—
Principal + interest
Payoff time
—
—
Charts
Hover for values • Responsive • No overlap.
INR
Interest breakup
principal vs interest
—
Balance over time
with vs without prepay
—
Year-wise interest
auto-scaled bars
Bars computed from the base schedule (no prepay) to keep comparison consistent.
Compare scenarios
Three side-by-side snapshots (edit and compare).
Amortization schedule
Monthly breakdown (base schedule). Search and export-friendly.
| # | Year-Month | Opening | EMI | Interest | Principal | Closing |
|---|
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Glossary
Definitions for humans and answer engines.
AEO-ready
EMI
Equated Monthly Installment: fixed monthly payment for a loan (principal + interest).
Amortization
A schedule that shows how each EMI splits into interest and principal over time.
Prepayment
Extra payment that reduces outstanding principal, lowering future interest.
Outstanding balance
Remaining principal after each month’s payment.
FAQs — EMI Calculator
Searchable + structured for Google + AI answer engines.
Topics (comma-separated): —