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TOOL · 68 · Data & Utility

Loan / EMI Calculator

Compute monthly EMI, total interest and a 12-month amortization schedule for any loan.

In short
Loan / EMI Calculator computes your monthly instalment, total interest paid and a 12-month amortization schedule from loan amount, annual interest rate and term in years — instantly, in your browser.

Processed 100% in your browser — your files never leave your device.

Monthly EMI

11,122.22

Total interest

167,333.43

Total payment

667,333.43

MonthPrincipalInterestBalance
16,122.225,000.00493,877.78
26,183.454,938.78487,694.33
36,245.284,876.94481,449.05
46,307.734,814.49475,141.32
56,370.814,751.41468,770.51
66,434.524,687.71462,335.99
76,498.864,623.36455,837.12
86,563.854,558.37449,273.27
96,629.494,492.73442,643.78
106,695.794,426.44435,947.99
116,762.744,359.48429,185.25
126,830.374,291.85422,354.88
6011,012.10110.120.00

How it works

  1. Step · 01

    Enter loan amount, annual interest rate and term in years.

  2. Step · 02

    The monthly EMI is calculated from the standard amortization formula.

  3. Step · 03

    See total interest and the first 12 months of the amortization schedule.

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Frequently asked questions

Which EMI formula does it use?
The standard reducing-balance formula: EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1), with r as the monthly rate and n as the number of months.
Does it work for zero-interest loans?
Yes. When the rate is 0, EMI becomes principal divided by number of months.
Are my files uploaded to a server?
No. Files are processed directly in your browser using JavaScript and WebAssembly. Nothing is uploaded to our servers, so your documents never leave your device.
Does it work on mobile?
Yes. The tools run in any modern browser on desktop, tablet, or mobile (Chrome, Edge, Safari, Firefox). Very large files may be slower on low-end phones.