EMI calculator
Estimate loan payments with a full repayment schedule.
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Understanding your calculation
Fixed-rate monthly reducing-balance estimate. The annual nominal interest rate is divided by 12. Extra payments reduce the term, not the scheduled EMI. Fees are added to total cost, not financed. Lender rounding and payment dates can differ.
- Enter your own values and choose the applicable calculation options.
- Review the breakdown and assumptions; change one input to compare a scenario.
- Download the calculation CSV to retain your inputs and result for independent checking.
Limits and checks
Inputs are validated locally. Results are estimates using the stated model, without live market data, automatic tax classification or personalized financial advice.
Frequently asked questions
What assumptions does the emi calculator use?
Fixed-rate monthly reducing-balance estimate. The annual nominal interest rate is divided by 12. Extra payments reduce the term, not the scheduled EMI. Fees are added to total cost, not financed. Lender rounding and payment dates can differ.
Is my content sent to a server?
No. Processing runs inside your browser. Optional editor recovery saves a draft on this device only. Read the privacy policy.
Can I rely on this as a financial decision?
No. Check the model, inputs and assumptions independently. Real borrowing costs, returns, fees and trading losses can differ. Consult a qualified professional when appropriate.