Loan EMI Calculator
10 toolsCalculate monthly loan EMI and total interest.
Runs in your browser — your files and text stay on your device
Calculate the monthly EMI on a loan from the amount, interest rate and tenure, plus the total interest you'll pay. A longer tenure lowers the monthly payment but increases total interest. This uses the standard reducing-balance formula; your lender's actual schedule may include fees, so treat it as an estimate.
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Monthly EMI
10,379.18
Total Payment
622,750.66
Total Interest
122,750.66
How to use this tool
- 1Enter principal, annual rate, and tenure.
- 2Your EMI, total payment, and interest update instantly.
- 3Click "Show amortization schedule" for a month-by-month breakdown.
Frequently asked questions
How is EMI calculated?
EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where r is the monthly rate and n is the number of months.
What does the amortization schedule show?
How each monthly payment splits between principal and interest, and the remaining balance after each month.
Are my loan numbers uploaded anywhere?
No — everything runs entirely in your browser.