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Are the tools really free?
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Does it work on my phone?
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Can I use the tools offline?
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EMI Calculator
Calculate your monthly loan payment (EMI), total interest and full amortization schedule for a home, car or personal loan — with extra payments.
Find out what a loan really costs before you sign. Enter the amount, interest rate and term to see your monthly payment (EMI), the total interest and the total you will repay, then explore the full amortization schedule year by year or month by month. Add an extra monthly payment to see how much sooner you would be debt-free and how much interest you would save.
The calculator works with any currency and runs entirely in your browser. Use the link in your address bar to share or save a calculation.
How to use EMI Calculator
- Enter the loan amount, the yearly interest rate and the loan term in years or months.
- Read your monthly payment (EMI), total interest and total of all payments.
- Optional: add an extra monthly payment and the date of the first payment.
- Check the charts and the amortization schedule; download it as CSV if you need it.
Features
- Monthly payment (EMI) for home loans, mortgages, car loans, personal and education loans.
- Total interest, total of all payments and payoff date.
- Full amortization schedule, yearly or monthly, accurate to the cent; CSV download.
- Extra-payment calculator: months saved and interest saved.
- Charts: principal vs interest, and what you pay each year.
- Any currency, formatted for your region.
- Shareable link with your numbers; nothing is stored or sent.
How is EMI calculated?
EMI (equated monthly instalment) is the fixed amount you pay every month so that the loan and its interest are fully repaid by the end of the term. It is calculated as EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where P is the loan amount, r is the monthly interest rate (the yearly rate ÷ 12 ÷ 100) and n is the number of monthly payments.
Example: a loan of $200,000 at 6.5% a year for 30 years has r = 0.065 ÷ 12 = 0.0054167 and n = 360, which gives an EMI of $1,264.14. Over 30 years you pay about $455,086 in total, of which about $255,086 is interest.
How the rate and the term change your EMI
Monthly payment and total interest for a 200,000 loan (any currency). A longer term lowers the monthly payment but greatly increases the total interest.
| Rate | Term | Monthly EMI | Total interest |
|---|---|---|---|
| 6% | 15 years | 1,687.71 | 103,789 |
| 6% | 30 years | 1,199.10 | 231,677 |
| 6.5% | 30 years | 1,264.14 | 255,086 |
| 8% | 20 years | 1,672.88 | 201,491 |
| 8% | 30 years | 1,467.53 | 328,310 |
| 10% | 5 years | 4,249.41 | 54,965 |
Why most of the early payments go to interest
Each month, interest is charged on the balance that is still outstanding. At the start the balance is highest, so most of your payment covers interest and only a little reduces the loan. As the balance falls, the interest part shrinks and the principal part grows — which is why the columns in the chart change colour over the years. This is also why extra payments early in the loan save the most interest.
Do extra payments really help?
Yes. Every extra amount goes straight to reducing the principal, so all future interest is calculated on a smaller balance. On the $200,000 loan at 6.5% for 30 years, paying an extra $200 a month pays the loan off years earlier and saves tens of thousands in interest — try it in the calculator. Check first whether your lender charges a prepayment fee and whether extra payments shorten the term or lower the EMI.
EMI, mortgage payment, instalment: the same thing
In India and many other countries the monthly loan payment is called the EMI. In the US, UK, Canada and Australia people usually say monthly mortgage payment or loan repayment. They are calculated the same way. A mortgage payment quoted by a lender may also include property tax, home insurance or mortgage insurance, which this calculator does not add.
Frequently asked questions
Is the EMI calculator free and private?
Yes. It is free, and every calculation runs in your browser. Your numbers are only kept in the page address so you can share them; nothing is sent to us.
What interest rate should I enter?
The yearly (annual) interest rate your lender quotes, for example 6.5. The calculator converts it to a monthly rate. For loans with a changing (floating) rate the result is an estimate for the current rate.
Why is my lender's EMI slightly different?
Lenders may round differently, count days instead of months, add processing fees or insurance, or start interest from the disbursement date. Differences are usually small.
Does a longer loan term save money?
No — it lowers the monthly payment but increases the total interest a lot. Compare 15 and 30 years in the calculator to see the difference.
What is an amortization schedule?
A table showing every payment: how much goes to interest, how much reduces the loan, and the balance left afterwards. You can view it per year or per month and download it as CSV.
Can I calculate a 0% loan?
Yes. With 0% interest the EMI is simply the loan amount divided by the number of months.
Is this financial advice?
No. It is a calculator for estimates. Check the exact terms, fees and conditions with your lender.