EMI Calculator & Financial Calculators
Work out your monthly EMI, total interest and repayment schedule for home, car, personal and product loans. Every calculator uses the reducing-balance formula Indian lenders apply, shows amounts in lakhs and crores, and gives you the full month-by-month breakdown. No sign-up, no lead forms.
₹
%
Monthly EMI
₹12,668
for 10 years
Principal
₹10,00,000
Total interest
₹5,20,078
Total payment
₹15,20,078
Principal vs interest
- Principal
- ₹10,00,000 (65.8%)
- Total interest
- ₹5,20,078 (34.2%)
Compare tenures
| Tenure | EMI | Total interest | Total payment |
|---|---|---|---|
| 3 years | ₹31,800 | ₹1,44,789 | ₹11,44,789 |
| 5 years | ₹20,758 | ₹2,45,507 | ₹12,45,507 |
| 10 years | ₹12,668 | ₹5,20,078 | ₹15,20,078 |
| 15 years | ₹10,143 | ₹8,25,614 | ₹18,25,614 |
| 20 years | ₹8,997 | ₹11,59,454 | ₹21,59,454 |
Amortisation schedule
How each instalment splits between interest and principal.
Monthly EMI
₹12,668
10 years
Most used calculators
EMI Calculators
Work out the instalment on anything you are financing.
EMI CalculatorCalculate your monthly EMI, total interest and full amortisation schedule for any loan amount, interest rate and tenure. Free, instant and made for India.EMI With Down PaymentEnter a price and your down payment to see the financed amount, monthly EMI, total interest and total cost of the purchase, in Indian rupees.EMI Affordability CalculatorEstimate the EMI your income can support after existing obligations, and the loan amount that EMI buys at Indian lending rates and tenures.Zero Cost EMI CalculatorSplit an Indian purchase into no-cost EMI instalments and see the real cost once the processing fee and the cash discount you give up are counted.
Loan Calculators
Compare tenures, check affordability and see what prepaying would save.
Loan CalculatorWork out the EMI, total interest and total repayment on any loan in India, and compare tenures side by side to see what a longer term really costs.Loan Interest CalculatorFind out how much interest a loan in India will cost over its full tenure, alongside the principal and total repayment, with a year-by-year breakdown.Loan Prepayment CalculatorSee how a part-prepayment changes an Indian loan: revised tenure, interest saved, and the alternative of keeping the tenure and lowering the EMI instead.Home Loan EMI CalculatorCalculate your home loan EMI in India, with total interest and a year-by-year amortisation schedule for tenures up to 30 years.Car Loan EMI CalculatorEnter the on-road price and your down payment to see the loan amount, monthly EMI, total interest and the full cost of financing a car in India.Personal Loan EMI CalculatorCalculate the EMI, total interest and total repayment on a personal loan in India, and compare tenures from 12 to 60 months.Bike Loan EMI CalculatorWork out the EMI on a bike or scooter in India after your down payment, with total interest, total cost and a tenure comparison.Education Loan EMI CalculatorCalculate the EMI on an education loan in India, the total interest over the repayment period, and how the moratorium changes what you owe.Gold Loan EMI CalculatorCalculate the EMI, total interest and total repayment on a gold loan in India, for any amount, rate and tenure.Loan Eligibility CalculatorEstimate the loan amount a lender might sanction on your income, after existing EMIs, for home, car, personal and two-wheeler loans in India.Flat vs Reducing Rate CalculatorCompare a flat interest rate against a reducing-balance rate on the same loan in India, and see the reducing rate a flat quote actually equals.
Product EMI Calculators
Phones, laptops, televisions and appliances, with down payment and exchange value.
Mobile EMI CalculatorCalculate the EMI on any mobile phone in India. Add a down payment, exchange value, card offer rate and processing fee to see the real monthly cost.iPhone EMI CalculatorWork out the EMI on an iPhone with your down payment, trade-in and card offer, and compare 12, 18, 24 and 36 month plans.iPhone 18 EMI CalculatorPlan the EMI on a base iPhone 18 before it goes on sale in India. Set your expected price, down payment and tenure to budget ahead.iPhone 18 Pro EMI CalculatorFind the EMI on an iPhone 18 Pro from Apple India's listed price, after your down payment and trade-in, with a 12 to 36 month comparison.iPhone 18 Pro Max EMI CalculatorCalculate the EMI on an iPhone 18 Pro Max in India with down payment and trade-in, and see the total interest for each tenure option.Laptop EMI CalculatorCalculate the EMI on a laptop including accessories and extended warranty, with total interest and a 12 to 36 month comparison.TV EMI CalculatorWork out the monthly EMI on a television, with wall mounting and installation costs kept separate, plus a full tenure comparison.AC EMI CalculatorCalculate the EMI on an air conditioner in India, with installation, copper piping and stabiliser costs kept separate from the financed amount.Refrigerator EMI CalculatorFind the EMI on a refrigerator in India after down payment and exchange value, with total interest and a comparison across 12 to 36 months.Washing Machine EMI CalculatorCalculate the EMI on a washing machine in India with down payment and exchange value, and see the total interest for each tenure.
Investment & Deposit Calculators
SIP, lumpsum, FD, PPF and CAGR, each stating the convention it uses.
SIP CalculatorWork out what a monthly SIP could grow to in India, with the amount invested, the estimated gain and a year-by-year table you can check.Lumpsum CalculatorSee what a one-time investment could grow to in India at a return you assume, with the gain, the maturity value and a year-by-year path.FD CalculatorCalculate the maturity value and interest on a fixed deposit in India, with quarterly, monthly, half-yearly or yearly compounding and a payout option.PPF CalculatorCalculate PPF maturity value in India using the official lowest-balance rule, with the deposit date that decides whether a month earns interest at all.CAGR CalculatorWork out the compound annual growth rate between a starting and ending value in India, with the total change and what the rate means in practice.
Credit Card Calculators
Card EMI conversions, including the fee and the GST only card borrowing attracts.
Financial & Math Calculators
Simple and compound interest, percentages and averages.
Simple Interest CalculatorCalculate simple interest on any principal for any rate and period, with the interest and the total payable or receivable in Indian rupees.Compound Interest CalculatorCalculate compound interest with yearly, half-yearly, quarterly or monthly compounding, and see the year-by-year growth in Indian rupees.Percentage CalculatorCalculate what percent one number is of another, a percentage of a value, percentage change, and increases or decreases, with Indian formatting.Average CalculatorPaste or type a list of numbers to get the mean, median, mode, sum, range, minimum and maximum instantly, with Indian number formatting.
Popular Calculators
EMI CalculatorCalculate your monthly EMI, total interest and full amortisation schedule for any loan amount, interest rate and tenure. Free, instant and made for India.Loan CalculatorWork out the EMI, total interest and total repayment on any loan in India, and compare tenures side by side to see what a longer term really costs.Home Loan EMI CalculatorCalculate your home loan EMI in India, with total interest and a year-by-year amortisation schedule for tenures up to 30 years.Car Loan EMI CalculatorEnter the on-road price and your down payment to see the loan amount, monthly EMI, total interest and the full cost of financing a car in India.Personal Loan EMI CalculatorCalculate the EMI, total interest and total repayment on a personal loan in India, and compare tenures from 12 to 60 months.Mobile EMI CalculatorCalculate the EMI on any mobile phone in India. Add a down payment, exchange value, card offer rate and processing fee to see the real monthly cost.iPhone EMI CalculatorWork out the EMI on an iPhone with your down payment, trade-in and card offer, and compare 12, 18, 24 and 36 month plans.Laptop EMI CalculatorCalculate the EMI on a laptop including accessories and extended warranty, with total interest and a 12 to 36 month comparison.TV EMI CalculatorWork out the monthly EMI on a television, with wall mounting and installation costs kept separate, plus a full tenure comparison.SIP CalculatorWork out what a monthly SIP could grow to in India, with the amount invested, the estimated gain and a year-by-year table you can check.FD CalculatorCalculate the maturity value and interest on a fixed deposit in India, with quarterly, monthly, half-yearly or yearly compounding and a payout option.PPF CalculatorCalculate PPF maturity value in India using the official lowest-balance rule, with the deposit date that decides whether a month earns interest at all.
Latest helpful guides
The questions a calculator cannot answer on its own.
- How Is EMI Calculated?How Indian lenders work out your monthly instalment, why the interest portion shrinks every month, and what actually changes the number.
- The EMI Formula, Explained Line by LineThe reducing-balance EMI formula Indian lenders use, what each symbol means, how to compute it yourself, and how to handle the 0% case.
- Reducing Balance vs Flat RateWhy a flat 10% and a reducing-balance 10% are not the same loan, how much more the flat structure costs, and where you meet it in India.
- Is No-Cost EMI Really Free?How no-cost EMI is funded in India, the charges that survive the offer, and how to work out whether a particular one is genuinely free.
- No-Cost EMI or the Cash Discount?Indian retailers offer either no-cost EMI or a discount for paying upfront, rarely both. How to work out which one leaves you better off.
- What Happens If You Prepay a Loan?What a lump-sum prepayment does to an Indian loan, the choice between cutting the tenure and cutting the EMI, and when it is worth doing at all.
Common questions
How is EMI calculated in India?
On a reducing balance: EMI = P x r x (1 + r)^n / ((1 + r)^n - 1), where r is the monthly rate and n the number of months. Interest each month is charged on what you still owe, so the interest portion of a fixed EMI shrinks while the principal portion grows.
Are these calculators free?
Yes, all of them, with no sign-up and no lead forms. Nothing you type is sent anywhere - every calculation runs in your browser.
How accurate are the results?
The engine is covered by unit tests and independently verified against a separate implementation in exact decimal arithmetic. Your lender's figure can still differ by a few rupees because of rounding and day-count conventions, and by more if fees are added to the loan.
Why is my bank's EMI slightly different?
Rounding to the nearest rupee, the day-count convention your lender uses, and any fee capitalised into the loan. A gap of a few rupees is normal; a gap of hundreds means something has been added that you should ask about.
Do you store what I enter?
No. The calculators run entirely in your browser and nothing you type is transmitted or saved. There are no accounts and no forms.