EMI Calculator

Calculate your monthly EMI for home loan, car loan, personal loan, or education loan with detailed amortization schedule.

Loan Details

₹50.00 L
₹1 L₹5 Cr
8.5%
5%20%
20 Years (240 months)
1 Year30 Years

EMI Breakdown

Monthly EMI

₹43,391

Principal Amount

₹50.00 L

Total Interest

₹54.14 L

Total Payment₹1.04 Cr
Principal (48%)Interest (52%)

Year-wise Amortization Schedule

YearPrincipal PaidInterest PaidBalance
Year 1₹99,511₹4.21 L₹49.00 L
Year 2₹1.08 L₹4.12 L₹47.92 L
Year 3₹1.18 L₹4.03 L₹46.74 L
Year 4₹1.28 L₹3.92 L₹45.46 L
Year 5₹1.40 L₹3.81 L₹44.06 L
Year 6₹1.52 L₹3.69 L₹42.54 L
Year 7₹1.65 L₹3.55 L₹40.89 L
Year 8₹1.80 L₹3.41 L₹39.09 L
Year 9₹1.96 L₹3.25 L₹37.13 L
Year 10₹2.13 L₹3.07 L₹35.00 L
... and 10 more years

EMI Formula & How It Works

EMI Formula: EMI = P × r × (1 + r)^n / ((1 + r)^n - 1)

Where:

  • P = Principal loan amount
  • r = Monthly interest rate (annual rate / 12 / 100)
  • n = Total number of monthly installments

Tips to reduce your EMI:

  • Make a larger down payment to reduce principal
  • Opt for a longer tenure (but you'll pay more interest)
  • Compare interest rates across multiple lenders
  • Maintain a good credit score (750+) for better rates
  • Consider prepayment when you have surplus funds

Track your finances and plan your taxes with GigBooks

Start Using GigBooks Free