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Loan / EMI Calculator

Work out the fixed monthly payment on any amortizing loan — personal, auto, student, or small-business — with a full month-by-month amortization schedule and support for ten common currencies.

ツール要約

このツールは構造化された入力を受け取り、サーバーへアップロードせずにブラウザで決定的な出力を返します。

ツール名
Loan / EMI Calculator
入力の目的
変換・検証・分析するソースコンテンツを入力してください。
出力の目的
コピー・再利用・デバッグに適した正規化された出力を受け取ります。
入力例
₹10,00,000 · 9% · 10 years
出力例
EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166
Monthly payment
$2,169.56
Total payment
$520,693.94
Total interest
$270,693.94
240 monthly payments

Calculations run entirely in your browser using the standard amortizing loan formula (EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ−1)). Estimates only — real loan offers may include fees, insurance, and rounding that differ from the computed figure.

ツールの紹介

Work out the fixed monthly payment on any amortizing loan — personal, auto, student, or small-business — with a full month-by-month amortization schedule and support for ten common currencies.

ツール概要

The calculator uses the standard equated monthly installment (EMI) formula, where each payment covers interest on the outstanding balance first and then reduces the principal. Early payments are interest-heavy; later payments are principal-heavy. That relationship is what the amortization schedule makes visible. All math runs on-device: your loan figures never leave the browser, so you can model sensitive offers privately.

ユースケース

  • Compare loan offers with different rates or terms side by side
  • See how a shorter term raises the EMI but cuts total interest
  • Plan a personal or car loan in INR, NPR, USD, EUR, and more
  • Share a one-line summary of your monthly payment with a cosigner

入力／出力の例

入力の目的
₹10,00,000 · 9% · 10 years
出力の目的
EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166
入力の目的
$25,000 · 7% · 5 years
出力の目的
EMI ≈ $495.03 · Total interest ≈ $4,702

よくある質問

What formula does the EMI calculator use?+
The standard amortizing-loan formula: EMI = P · r · (1+r)^n / ((1+r)^n − 1), where P is principal, r is the monthly rate (annual rate ÷ 12 ÷ 100), and n is the number of monthly payments. When rate is 0, EMI simply equals P ÷ n.
Does this include fees, taxes, or insurance?+
No. The tool models the pure loan math. Many real loans include origination fees, stamp duty, or mandatory insurance that add to the effective cost — ask your lender for the annual percentage rate (APR) to compare like for like.
Can I use it as a car or student loan calculator?+
Yes. The math is identical for any fixed-rate, fixed-term amortizing loan.
Is my financial data stored anywhere?+
No. Every calculation runs locally in your browser. Nothing is sent to a server.

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