EMI Calculator
Estimate EMI, compare loan scenarios, view principal vs interest, inspect year-wise summaries, and print the schedule
How it works
Build an EMI plan
Enter loan details, choose repayment style, then review the repayment schedule
- Enter loanAdd amount, interest, and tenure.
- Choose planSelect standard EMI or prepayment strategy.
- Review scheduleCheck summary, yearly, and monthly breakdown.
Configure
Build your repayment plan
Adjust the loan, rate, tenure, and optional extra repayment strategy
Interest rate
Tenure
Repayment style
Result
Compare the repayment total, interest, and estimated closure.Repayment overview
Monthly EMI$10,623.52
Standard EMI only, with no extra repayment.
Total repayment$637,411.20
Total interest$137,411.20
Estimated closure5 years
Interest saved$0.00
Interest vs principal
Principal $499,999.82Interest $137,411.38
Year-wise repayment summary
A simpler yearly view of payment, interest, principal, and closing balance.
5 years
| Year | Total payment | Interest | Principal | Closing balance |
|---|---|---|---|---|
| 1 | $127,482.24 | $46,348.20 | $81,134.04 | $418,865.96 |
| 2 | $127,482.24 | $37,852.43 | $89,629.81 | $329,236.15 |
| 3 | $127,482.24 | $28,467.01 | $99,015.23 | $230,220.92 |
| 4 | $127,482.24 | $18,098.80 | $109,383.44 | $120,837.48 |
| 5 | $127,482.24 | $6,644.94 | $120,837.30 | $0.00 |
Month-wise repayment schedule
The schedule below shows EMI, extra payment, principal, interest, and balance month by month.
60 months
| Month | Opening Balance | EMI | Extra | Interest | Principal | Closing Balance |
|---|---|---|---|---|---|---|
| 1 | $500,000.00 | $10,623.52 | $0.00 | $4,166.67 | $6,456.85 | $493,543.15 |
| 2 | $493,543.15 | $10,623.52 | $0.00 | $4,112.86 | $6,510.66 | $487,032.49 |
| 3 | $487,032.49 | $10,623.52 | $0.00 | $4,058.60 | $6,564.92 | $480,467.57 |
| 4 | $480,467.57 | $10,623.52 | $0.00 | $4,003.90 | $6,619.62 | $473,847.95 |
| 5 | $473,847.95 | $10,623.52 | $0.00 | $3,948.73 | $6,674.79 | $467,173.16 |
| 6 | $467,173.16 | $10,623.52 | $0.00 | $3,893.11 | $6,730.41 | $460,442.75 |
| 7 | $460,442.75 | $10,623.52 | $0.00 | $3,837.02 | $6,786.50 | $453,656.25 |
| 8 | $453,656.25 | $10,623.52 | $0.00 | $3,780.47 | $6,843.05 | $446,813.20 |
| 9 | $446,813.20 | $10,623.52 | $0.00 | $3,723.44 | $6,900.08 | $439,913.12 |
| 10 | $439,913.12 | $10,623.52 | $0.00 | $3,665.94 | $6,957.58 | $432,955.54 |
| 11 | $432,955.54 | $10,623.52 | $0.00 | $3,607.96 | $7,015.56 | $425,939.98 |
| 12 | $425,939.98 | $10,623.52 | $0.00 | $3,549.50 | $7,074.02 | $418,865.96 |
| 13 | $418,865.96 | $10,623.52 | $0.00 | $3,490.55 | $7,132.97 | $411,732.99 |
| 14 | $411,732.99 | $10,623.52 | $0.00 | $3,431.11 | $7,192.41 | $404,540.58 |
| 15 | $404,540.58 | $10,623.52 | $0.00 | $3,371.17 | $7,252.35 | $397,288.23 |
| 16 | $397,288.23 | $10,623.52 | $0.00 | $3,310.74 | $7,312.78 | $389,975.45 |
| 17 | $389,975.45 | $10,623.52 | $0.00 | $3,249.80 | $7,373.72 | $382,601.73 |
| 18 | $382,601.73 | $10,623.52 | $0.00 | $3,188.35 | $7,435.17 | $375,166.56 |
| 19 | $375,166.56 | $10,623.52 | $0.00 | $3,126.39 | $7,497.13 | $367,669.43 |
| 20 | $367,669.43 | $10,623.52 | $0.00 | $3,063.91 | $7,559.61 | $360,109.82 |
| 21 | $360,109.82 | $10,623.52 | $0.00 | $3,000.92 | $7,622.60 | $352,487.22 |
| 22 | $352,487.22 | $10,623.52 | $0.00 | $2,937.39 | $7,686.13 | $344,801.09 |
| 23 | $344,801.09 | $10,623.52 | $0.00 | $2,873.34 | $7,750.18 | $337,050.91 |
| 24 | $337,050.91 | $10,623.52 | $0.00 | $2,808.76 | $7,814.76 | $329,236.15 |
| 25 | $329,236.15 | $10,623.52 | $0.00 | $2,743.63 | $7,879.89 | $321,356.26 |
| 26 | $321,356.26 | $10,623.52 | $0.00 | $2,677.97 | $7,945.55 | $313,410.71 |
| 27 | $313,410.71 | $10,623.52 | $0.00 | $2,611.76 | $8,011.76 | $305,398.95 |
| 28 | $305,398.95 | $10,623.52 | $0.00 | $2,544.99 | $8,078.53 | $297,320.42 |
| 29 | $297,320.42 | $10,623.52 | $0.00 | $2,477.67 | $8,145.85 | $289,174.57 |
| 30 | $289,174.57 | $10,623.52 | $0.00 | $2,409.79 | $8,213.73 | $280,960.84 |
| 31 | $280,960.84 | $10,623.52 | $0.00 | $2,341.34 | $8,282.18 | $272,678.66 |
| 32 | $272,678.66 | $10,623.52 | $0.00 | $2,272.32 | $8,351.20 | $264,327.46 |
| 33 | $264,327.46 | $10,623.52 | $0.00 | $2,202.73 | $8,420.79 | $255,906.67 |
| 34 | $255,906.67 | $10,623.52 | $0.00 | $2,132.56 | $8,490.96 | $247,415.71 |
| 35 | $247,415.71 | $10,623.52 | $0.00 | $2,061.80 | $8,561.72 | $238,853.99 |
| 36 | $238,853.99 | $10,623.52 | $0.00 | $1,990.45 | $8,633.07 | $230,220.92 |
| 37 | $230,220.92 | $10,623.52 | $0.00 | $1,918.51 | $8,705.01 | $221,515.91 |
| 38 | $221,515.91 | $10,623.52 | $0.00 | $1,845.97 | $8,777.55 | $212,738.36 |
| 39 | $212,738.36 | $10,623.52 | $0.00 | $1,772.82 | $8,850.70 | $203,887.66 |
| 40 | $203,887.66 | $10,623.52 | $0.00 | $1,699.06 | $8,924.46 | $194,963.20 |
| 41 | $194,963.20 | $10,623.52 | $0.00 | $1,624.69 | $8,998.83 | $185,964.37 |
| 42 | $185,964.37 | $10,623.52 | $0.00 | $1,549.70 | $9,073.82 | $176,890.55 |
| 43 | $176,890.55 | $10,623.52 | $0.00 | $1,474.09 | $9,149.43 | $167,741.12 |
| 44 | $167,741.12 | $10,623.52 | $0.00 | $1,397.84 | $9,225.68 | $158,515.44 |
| 45 | $158,515.44 | $10,623.52 | $0.00 | $1,320.96 | $9,302.56 | $149,212.88 |
| 46 | $149,212.88 | $10,623.52 | $0.00 | $1,243.44 | $9,380.08 | $139,832.80 |
| 47 | $139,832.80 | $10,623.52 | $0.00 | $1,165.27 | $9,458.25 | $130,374.55 |
| 48 | $130,374.55 | $10,623.52 | $0.00 | $1,086.45 | $9,537.07 | $120,837.48 |
| 49 | $120,837.48 | $10,623.52 | $0.00 | $1,006.98 | $9,616.54 | $111,220.94 |
| 50 | $111,220.94 | $10,623.52 | $0.00 | $926.84 | $9,696.68 | $101,524.26 |
| 51 | $101,524.26 | $10,623.52 | $0.00 | $846.04 | $9,777.48 | $91,746.78 |
| 52 | $91,746.78 | $10,623.52 | $0.00 | $764.56 | $9,858.96 | $81,887.82 |
| 53 | $81,887.82 | $10,623.52 | $0.00 | $682.40 | $9,941.12 | $71,946.70 |
| 54 | $71,946.70 | $10,623.52 | $0.00 | $599.56 | $10,023.96 | $61,922.74 |
| 55 | $61,922.74 | $10,623.52 | $0.00 | $516.02 | $10,107.50 | $51,815.24 |
| 56 | $51,815.24 | $10,623.52 | $0.00 | $431.79 | $10,191.73 | $41,623.51 |
| 57 | $41,623.51 | $10,623.52 | $0.00 | $346.86 | $10,276.66 | $31,346.85 |
| 58 | $31,346.85 | $10,623.52 | $0.00 | $261.22 | $10,362.30 | $20,984.55 |
| 59 | $20,984.55 | $10,623.52 | $0.00 | $174.87 | $10,448.65 | $10,535.90 |
| 60 | $10,535.90 | $10,623.52 | $0.00 | $87.80 | $10,535.72 | $0.00 |
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Tool guide
Why use an EMI calculator?
It helps estimate repayments for home loans, personal loans, and other borrowing decisions before you finalise the plan.
Monthly EMISchedule exportsShare-ready
FAQs
How is EMI calculated?
EMI uses the standard amortization formula based on loan amount, rate, and tenure.
What does comparison mode show?
It compares your current setup with a lower-rate and shorter-tenure alternative.
Can I print the schedule?
Yes. Use the print button to print or save the amortization schedule as PDF.
Does the share link save my setup?
Yes. The current EMI inputs are stored in the URL so the same setup can be reopened.
Should I rely on this for final loan decisions?
No. Use it as an estimate only and confirm final repayment, interest, fees, and terms with your lender or financial adviser.
Can I copy or download the result?
Yes. Copy the result, download a summary or CSV schedule, print it, or copy a share link.