EMI Calculator
Loan EMI and amortization.
EMI Calculator
Each bar is one year of payments, split into the interest you lose and the loan you actually repay.
Year by year
| Interest | Principal | Value | |
|---|---|---|---|
| Year 1 | ₹88,659 | ₹33,053 | ₹9,66,947 |
| Year 2 | ₹85,558 | ₹36,154 | ₹9,30,793 |
| Year 3 | ₹82,166 | ₹39,546 | ₹8,91,247 |
| Year 4 | ₹78,457 | ₹43,255 | ₹8,47,992 |
| Year 5 | ₹74,399 | ₹47,313 | ₹8,00,679 |
| Year 6 | ₹69,961 | ₹51,751 | ₹7,48,928 |
| Year 7 | ₹65,106 | ₹56,606 | ₹6,92,323 |
| Year 8 | ₹59,796 | ₹61,916 | ₹6,30,407 |
| Year 9 | ₹53,988 | ₹67,724 | ₹5,62,683 |
| Year 10 | ₹47,635 | ₹74,077 | ₹4,88,606 |
| Year 11 | ₹40,686 | ₹81,026 | ₹4,07,581 |
| Year 12 | ₹33,086 | ₹88,626 | ₹3,18,954 |
| Year 13 | ₹24,772 | ₹96,940 | ₹2,22,014 |
| Year 14 | ₹15,678 | ₹1,06,034 | ₹1,15,980 |
| Year 15 | ₹5,731 | ₹1,15,980 | ₹0 |
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How this is worked out
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1), where r is the annual rate ÷ 12 and n is the number of months.
About this calculator
Use this calculator to loan EMI and amortization. It works from Loan Amount, Interest Rate, Tenure and Processing Fees, so you can adjust inputs and immediately see how the outcome changes.
- Estimate EMI, total interest, and repayment burden over the loan term.
- Compare how rate and tenure change affordability.
- Use it before applying for a loan or refinancing an existing one.
This calculator is an illustration based on the inputs you provide and the assumptions stated above. It is not a recommendation, a projection of actual returns, or a guarantee of any outcome. Actual results will differ. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Curious how this looks on your portfolio?
Our team can run these numbers against your real holdings, goals and timeline.