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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.

도구 요약

이 도구는 구조화된 입력을 받아 서버 업로드 없이 브라우저에서 결정적인 출력을 반환합니다.

도구 이름
Loan / EMI Calculator
입력 의도
변환·검증·분석할 원본 콘텐츠를 제공하세요.
출력 의도
복사, 재사용 또는 디버깅에 적합한 정규화된 출력을 받습니다.
예시 입력
₹10,00,000 · 9% · 10 years
예시 출력
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.

도구 소개

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.

도구 개요

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.

사용 사례

  • 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

입력/출력 예시

입력 의도
₹10,00,000 · 9% · 10 years
출력 의도
EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166
입력 의도
$25,000 · 7% · 5 years
출력 의도
EMI ≈ $495.03 · Total interest ≈ $4,702

자주 묻는 질문

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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