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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.

工具摘要

此工具接收结构化输入，在浏览器中返回确定性输出，无需上传到服务器。

工具名称
Loan / EMI Calculator
输入意图
提供需要转换、校验或分析的原始内容。
输出意图
获得可直接复制、复用或排错的规范化输出。
示例输入
₹10,00,000 · 9% · 10 years
示例输出
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.

工具介绍

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.

工具概览

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.

使用场景

  • 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

输入/输出示例

输入意图
₹10,00,000 · 9% · 10 years
输出意图
EMI ≈ ₹12,668 · Total interest ≈ ₹5,20,166
输入意图
$25,000 · 7% · 5 years
输出意图
EMI ≈ $495.03 · Total interest ≈ $4,702

常见问题

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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