EMI Calculator for Home, Car & Personal Loans Loan EMI
Work out your monthly loan EMI, the total interest you will pay and the full payment for home, car or personal loans. Change the amount, rate or tenure and the result updates instantly.
100% Private
Loan Details
Your EMI
Monthly EMI
₹0
Principal Amount
₹0
Total Interest
₹0
Total Payment
₹0
Principal 0%Interest 0%
Year-wise Loan Breakup
| Year | Principal Paid | Interest Paid | Balance |
|---|
Estimate only: This assumes a fixed interest rate and equal monthly instalments. Your lender's fees, insurance and rate changes can change the actual amounts.
How to Use the EMI Calculator
1
Enter the Loan Amount
Type the amount you want to borrow, or move the slider.
2
Add the Interest Rate
Enter the yearly interest rate offered by your bank or lender.
3
Choose the Tenure
Pick the loan period in years or months.
4
Read Your EMI
See the monthly EMI, total interest, total payment and the year-wise breakup.
Key Features
Instant Results
The EMI, total interest and total payment update as you type.
Year-wise Breakup
See how much principal and interest you pay each year and your remaining balance.
Any Loan Type
Works for home loans, car loans, personal loans and education loans with fixed EMIs.
Private by Design
Your numbers stay in your browser and are never sent to a server.
Frequently Asked Questions (FAQ)
How is EMI calculated?
EMI = [P × r × (1+r)^n] ÷ [(1+r)^n − 1], where P is the loan amount, r is the monthly interest rate (yearly rate ÷ 12 ÷ 100) and n is the number of monthly instalments.
Does this work for home, car and personal loans?
Yes. The formula is the same for any loan with fixed monthly instalments on a reducing balance. Enter the amount, interest rate and tenure of your loan.
Why is my bank's EMI slightly different?
Banks may add processing fees or insurance, round the interest differently, or change the rate on floating-rate loans. Treat this as a close estimate and confirm with your lender's repayment schedule.
Is my loan information saved or sent anywhere?
No. The calculation happens in your browser. The numbers you type are not sent to ToolKhoj or stored.
हिंदी में सवाल-जवाब
लोन की EMI कैसे निकालें?
लोन की रकम, सालाना ब्याज दर और समय (साल या महीने) डालें। हर महीने की EMI, कुल ब्याज और कुल भुगतान तुरंत दिख जाता है।
क्या बैंक की EMI और इस कैलकुलेटर की EMI में फर्क हो सकता है?
थोड़ा फर्क हो सकता है, क्योंकि बैंक प्रोसेसिंग फीस, बीमा और ब्याज की अलग गणना जोड़ सकते हैं। सही रकम के लिए अपने बैंक की लोन शीट देखें।