EMI Calculator
Plan your loan, compare repayment load, and see the yearly balance path.
Loan Parameters
Add extra payments made at specific dates to reduce tenure or monthly EMI.
Prepayments will lower your future monthly installments while keeping tenure the same.
Repayment Summary
Breakdown Analysis
Yearly distribution of principal and interest components.
Yearly Amortization Schedule
Detailed year-on-year breakdown of your principal and interest repayments.
| Year | Principal (A) | Interest (B) | Total (A + B) | Balance |
|---|---|---|---|---|
| ▶2026 | ₹ 32,461 | ₹ 41,930 | ₹ 74,394 | ₹ 967,538 |
| ▶2027 | ₹ 69,196 | ₹ 79,588 | ₹ 148,788 | ₹ 898,342 |
| ▶2028 | ₹ 75,312 | ₹ 73,469 | ₹ 148,788 | ₹ 823,029 |
| ▶2029 | ₹ 81,969 | ₹ 66,812 | ₹ 148,788 | ₹ 741,059 |
| ▶2030 | ₹ 89,215 | ₹ 59,567 | ₹ 148,788 | ₹ 651,844 |
| ▶2031 | ₹ 97,100 | ₹ 51,682 | ₹ 148,788 | ₹ 554,742 |
| ▶2032 | ₹ 105,685 | ₹ 43,097 | ₹ 148,788 | ₹ 449,058 |
| ▶2033 | ₹ 115,026 | ₹ 33,759 | ₹ 148,788 | ₹ 334,033 |
| ▶2034 | ₹ 125,193 | ₹ 23,589 | ₹ 148,788 | ₹ 208,840 |
| ▶2035 | ₹ 136,260 | ₹ 12,525 | ₹ 148,788 | ₹ 72,581 |
| ▶2036 | ₹ 72,583 | ₹ 1,810 | ₹ 74,395 | ₹ 0 |
Understanding EMI Calculations
An Equated Monthly Installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are applied to both interest and principal each month, so that over a specified number of years, the loan is paid off in full.
Our EMI calculator helps you plan your financial future by providing a clear breakdown of your monthly commitments. You can compare different interest rates and tenures to find the repayment plan that fits your budget perfectly.
By analyzing the yearly amortization schedule, you can see how your loan balance decreases over time and how much total interest you will pay over the life of the loan.