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description=EMI Calculator - Calculate Equated Monthly Installment (EMI) for Home Loan / Housing Loan, Car Loan & Personal Loan in India (with interactive charts);

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Text of the page (random words):
emi calculator for home loan car loan personal loan in india emi calculator loan calculators widgets credit card emi calculator with gst home loan emi calculator loan calculator emi calculator android app emi calculator widget loan emi calculation how does it work articles product reviews news opinion emi calculator for home loan car loan personal loan in india home loan personal loan car loan home loan amount 0 25l 50l 75l 100l 125l 150l 175l 200l interest rate 5 7 5 10 12 5 15 17 5 20 loan tenure yr mo 0 5 10 15 20 25 30 emi scheme emi in advance emi in arrears loan emi 24 959 total interest payable 34 90 279 total payment principal interest 59 90 279 featured calculators articles loan calculator calculate emi affordability tenure interest rate home loan emi calculator with prepayments taxes insurance credit card emi calculator with gst key highlights from budget 2026 basic salary hra gratuity changes from april 1 2026 and what it means for you the pros and cons of credit card emis pay tax on 25 lakhs or 21 4 lakhs the simple truth about employer car leasing schedule showing emi payments starting from calendar year wise financial year wise want to download or share a custom link to your emi calculation with all your numbers pre filled download pdf download excel share copy and share this link what is emi equated monthly installment emi for short is the amount payable every month to the bank or any other financial institution until the loan amount is fully paid off it consists of the interest on loan as well as part of the principal amount to be repaid the sum of principal amount and interest is divided by the tenure i e number of months in which the loan has to be repaid this amount has to be paid monthly the interest component of the emi would be larger during the initial months and gradually reduce with each payment the exact percentage allocated towards payment of the principal depends on the interest rate even though your monthly emi payment won t change the proportion of principal and interest components will change with time with each successive payment you ll pay more towards the principal and less in interest here s the formula to calculate emi where e is emi p is principal loan amount r is rate of interest calculated on monthly basis i e r rate of annual interest 12 100 if rate of interest is 10 5 per annum then r 10 5 12 100 0 00875 n is loan term tenure duration in number of months for example if you borrow 10 00 000 from the bank at 10 5 annual interest for a period of 10 years i e 120 months then emi 10 00 000 0 00875 1 0 00875 120 1 0 00875 120 1 13 493 i e you will have to pay 13 493 for 120 months to repay the entire loan amount the total amount payable will be 13 493 120 16 19 220 that includes 6 19 220 as interest toward the loan computing emi for different combinations of principal loan amount interest rates and loan term using the above emi formula by hand or ms excel is time consuming complex and error prone our emi calculator automates this calculation for you and gives you the result in a split second along with visual charts displaying payment schedule and the break up of total payment how to use emi calculator with colourful charts and instant results our emi calculator is easy to use intuitive to understand and is quick to perform you can calculate emi for home loan car loan personal loan education loan or any other fully amortizing loan using this calculator enter the following information in the emi calculator principal loan amount you wish to avail rupees loan term months or years rate of interest percentage emi in arrears or emi in advance for car loan only use the slider to adjust the values in the emi calculator form if you need to enter more precise values you can type the values directly in the relevant boxes provided above as soon as the values are changed using the slider or hit the tab key after entering the values directly in the input fields emi calculator will re calculate your monthly payment emi amount a pie chart depicting the break up of total payment i e total principal vs total interest payable is also displayed it displays the percentage of total interest versus principal amount in the sum total of all payments made against the loan the payment schedule table showing payments made every month year for the entire loan duration is displayed along with a chart showing interest and principal components paid each year a portion of each payment is for the interest while the remaining amount is applied towards the principal balance during initial loan period a large portion of each payment is devoted to interest with passage of time larger portions pay down the principal the payment schedule also shows the intermediate outstanding balance for each year which will be carried over to the next year want to make part prepayments to shorten your home loan schedule and reduce your total interest outgo use our home loan emi calculator with prepayments if you wish to calculate how much loan you can afford or determine advertised vs actual loan interest rate along with loan apr on a purchase use our loan calculator floating rate emi calculation we suggest that you calculate floating variable rate emi by taking into consideration two opposite scenarios i e optimistic deflationary and pessimistic inflationary scenario loan amount and loan tenure two components required to calculate the emi are under your control i e you are going to decide how much loan you have to borrow and how long your loan tenure should be but interest rate is decided by the banks hfcs based on rates and policies set by rbi as a borrower you should consider the two extreme possibilities of increase and decrease in the rate of interest and calculate your emi under these two conditions such calculation will help you decide how much emi is affordable how long your loan tenure should be and how much you should borrow optimistic deflationary scenario assume that the rate of interest comes down by 1 3 from the present rate consider this situation and calculate your emi in this situation your emi will come down or you may opt to shorten the loan tenure ex if you avail home loan to purchase a house as an investment then optimistic scenario enables you to compare this with other investment opportunities pessimistic inflationary scenario in the same way assume that the rate of interest is hiked by 1 3 is it possible for you to continue to pay the emi without much struggle even a 2 increase in rate of interest can result in significant rise in your monthly payment for the entire loan tenure such calculation helps you to plan for such future possibilities when you take a loan you are making a financial commitment for next few months years or decades so consider the best as well as worst cases and be ready for both in short hope for the best but be prepared for the worst home loan emi calculator home loan emi calculator with prepayments taxes insurance android app download our free android app from google play store loan calculator loan calculator calculate emi affordability tenure interest rate recent articles how much can you borrow against your shares mutual funds and etfs may 02 2026 debt consolidation silver bullet or slippery slope apr 30 2026 rbi to banks online fraud prove your customer was at fault or pay up apr 28 2026 tax free loans from employer how the rules have changed apr 25 2026 basic salary hra gratuity changes from april 1 2026 and what it means for you apr 22 2026 leave a reply cancel reply your email address will not be published required fields are marked comment name email website δ 1 123 responses to emi calculator for home loan car loan personal loan in india load more calculators widgets emi calculator android app loan calculator calculate emi affordability tenure interest rate home loan emi calculator with prepayments taxes insurance mobile friendly emi calculator widget home loan interest rates as of july 1 2025 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