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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.

Tóm tắt công cụ

Công cụ này nhận đầu vào có cấu trúc và trả về đầu ra xác định ngay trong trình duyệt, không tải lên máy chủ.

Tên công cụ: Loan / EMI Calculator
Mục đích đầu vào: Cung cấp nội dung nguồn để biến đổi, xác thực hoặc phân tích.
Mục đích đầu ra: Nhận đầu ra chuẩn hóa thuận tiện để sao chép, tái sử dụng hoặc gỡ lỗi.
Đầu vào ví dụ: ₹10,00,000 · 9% · 10 years
Đầu ra ví dụ: EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166

Loan amount

CurrencyAnnual interest rate (%)

TermUnit

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.

Giới thiệu công cụ

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.

Tổng quan công cụ

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.

Trường hợp sử dụng

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

Ví dụ đầu vào/đầu ra

Mục đích đầu vào

₹10,00,000 · 9% · 10 years

Mục đích đầu ra

EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166

Mục đích đầu vào

$25,000 · 7% · 5 years

Mục đích đầu ra

EMI ≈ $495.03 · Total interest ≈ $4,702

Câu hỏi thường gặp

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.