EMI calculator

Calculate your monthly EMI instantly. No login needed.

Loan amount (₹)

₹10,000₹10L₹1Cr

Interest rate (% per annum)

1%8.5%30%

Loan tenure (months)

6 mo20y 30 yr

20 years

Monthly EMI

₹8,678

Total interest payable

₹10.8L

Total amount payable

₹20.8L

principal + interest

How this EMI adds to your existing burden, Arjun

4Current total EMI (4 active loans)

₹73,393/mo

+This new EMI

₹8,678/mo

Combined monthly EMI burden₹82,071/mo

EMI-to-income ratio after this loan

Was 77% → becomes 86% of your ₹₹95,000 income

High

▸ See breakdown of existing loans

SBI Home Loan₹39,480/mo

HDFC Car Loan₹15,660/mo

Bajaj Personal Loan₹10,181/mo

Apple iPhone EMI₹8,072/mo

Loan breakdown

48% principal

52% interest

Principal: ₹10L

Interest: ₹10.8L

Repayment schedule

First 12 months shown. Sign up to see full schedule.

Month	Opening balance	EMI (₹)	Principal (₹)	Interest (₹)	Closing balance
Apr 2026	₹10,00,000	₹8,678	₹1,595	₹7,083	₹9,98,405
May 2026	₹9,98,405	₹8,678	₹1,606	₹7,072	₹9,96,799
Jun 2026	₹9,96,799	₹8,678	₹1,617	₹7,061	₹9,95,182
Jul 2026	₹9,95,182	₹8,678	₹1,629	₹7,049	₹9,93,553
Aug 2026	₹9,93,553	₹8,678	₹1,640	₹7,038	₹9,91,913
Sep 2026	₹9,91,913	₹8,678	₹1,652	₹7,026	₹9,90,261
Oct 2026	₹9,90,261	₹8,678	₹1,664	₹7,014	₹9,88,597
Nov 2026	₹9,88,597	₹8,678	₹1,675	₹7,003	₹9,86,922
Dec 2026	₹9,86,922	₹8,678	₹1,687	₹6,991	₹9,85,235
Jan 2027	₹9,85,235	₹8,678	₹1,699	₹6,979	₹9,83,536
Feb 2027	₹9,83,536	₹8,678	₹1,711	₹6,967	₹9,81,825
Mar 2027	₹9,81,825	₹8,678	₹1,723	₹6,955	₹9,80,102