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वित्त

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.

टूल सारांश

यो टूलले संरचित इनपुट लिन्छ र सर्भर अपलोड बिना ब्राउजरमै निर्धारित आउटपुट दिन्छ।

टूलको नाम
Loan / EMI Calculator
इनपुट उद्देश्य
बदल्न, प्रमाणीकरण गर्न वा विश्लेषण गर्न स्रोत सामग्री प्रदान गर्नुहोस्।
आउटपुट उद्देश्य
कपी, पुन: प्रयोग वा डिबगिङका लागि उपयुक्त सामान्यीकृत आउटपुट प्राप्त गर्नुहोस्।
उदाहरण इनपुट
₹10,00,000 · 9% · 10 years
उदाहरण आउटपुट
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.

टूल परिचय

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.

टूल अवलोकन

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.

प्रयोगका केसहरू

  • 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

इनपुट/आउटपुट उदाहरण

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

अक्सर सोधिने प्रश्नहरू

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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