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Instant Loan EMI Calculation

Calculate Your Loan EMI
In Seconds

Home loan, car loan, personal loan — get your monthly EMI, total interest, and full amortization schedule instantly.

Loan Details
Loan Amount ₹25,00,000
₹
₹1L ₹25L ₹50L ₹75L ₹1Cr
Interest Rate (p.a.) 8.5%
%
1% 9% 18% 27% 36%
Loan Tenure 20 Years
Yrs
1Y 7Y 15Y 22Y 30Y
Your Summary
Monthly EMI
₹0
per month
Principal
Interest
Principal
₹0
Total Interest
₹0
Total Amount Payable
₹0
Amortization Schedule
Month EMI Principal Interest Balance
Smart Borrowing Tips

Make Your Loan Work
Smarter for You

01

Lower Rate = Big Savings

Even a 0.5% drop in interest rate can save you lakhs over a 20-year loan. Always compare rates from multiple lenders before applying.

02

Shorter Tenure = Less Interest

A 15-year loan vs a 20-year loan significantly reduces total interest paid, even though the monthly EMI is slightly higher.

03

Prepay When You Can

Making even one extra EMI payment per year can cut years off your loan. Most loans allow partial prepayment without penalty.

How to Use the EMI Calculator

Enter your loan amount, interest rate and tenure to instantly calculate your monthly EMI (Equated Monthly Instalment). Our free EMI calculator works for home loans, car loans, personal loans and education loans. See your complete amortization schedule showing how much of each EMI goes towards principal and interest.

EMI Formula

EMI = P × r × (1+r)^n / ((1+r)^n - 1) — where P is principal, r is monthly interest rate and n is number of months. Our calculator handles all this instantly so you can compare different loan options.