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Loan & EMI Calculator

Fine-tune your borrowing decision with real-time interest, tenure, and monthly installment calculations.

₹5,00,000
₹50,000 ₹50,00,000
11.5%
8.0% 24.0%
36 Months (3.0 Yrs)
6 Months 84 Months (7 Yrs)
Estimated Monthly EMI
₹16,490
Principal (Loan) Total Interest
Principal Amount: ₹5,00,000
Total Interest Payable: ₹93,640
Total Amount Payable: ₹5,93,640

How is Loan EMI Calculated?

Equated Monthly Installments (EMIs) are calculated using the standard reducing balance mathematical formula:

EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]

Where P is the Principal loan amount, R is the monthly interest rate (Annual rate / 12 / 100), and N is the number of monthly installments. The calculations displayed are indicative estimates to help you plan your monthly budget. Final EMI values depend on the exact sanction terms issued by the lending bank or NBFC.

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