Loan Calculator
Calculate loan EMI, total interest, and view amortization schedule.
Runs entirely in your browserNo file uploadsPrivacy-first
TL;DR
Enter loan amount, interest rate, and tenure to calculate EMI.
Monthly EMI
₹8,678
Total Interest
₹10,82,776
Total Amount
₹20,82,776
Principal vs Interest48.0% : 52.0%
Principal: ₹10,00,000Interest: ₹10,82,776
📊 Year-wise Breakdown
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹19,902 | ₹84,236 | ₹9,80,098 |
| 2 | ₹21,661 | ₹82,477 | ₹9,58,436 |
| 3 | ₹23,576 | ₹80,563 | ₹9,34,860 |
| 4 | ₹25,660 | ₹78,479 | ₹9,09,200 |
| 5 | ₹27,928 | ₹76,211 | ₹8,81,272 |
| 6 | ₹30,397 | ₹73,742 | ₹8,50,875 |
| 7 | ₹33,084 | ₹71,055 | ₹8,17,791 |
| 8 | ₹36,008 | ₹68,131 | ₹7,81,784 |
| 9 | ₹39,191 | ₹64,948 | ₹7,42,593 |
| 10 | ₹42,655 | ₹61,484 | ₹6,99,938 |
Showing first 10 years...
💡 Tip: Pay extra towards principal when possible to reduce total interest significantly.
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What is Loan Calculator?
A loan calculator computes Equated Monthly Installments (EMI) based on principal, rate, and tenure.
When Should You Use This Tool?
Use when planning to take a loan, comparing offers, or understanding repayment schedules.
How to Use Loan Calculator
- 1Enter loan amount
- 2Set interest rate
- 3Choose tenure
- 4View EMI and schedule
How Does This Tool Work?
Uses the standard EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1)
Privacy Note: Runs entirely in your browser. Your data never leaves your device. No file uploads to any server.
Common Use Cases
Home Buyers
Calculate mortgage payments
Car Buyers
Plan auto loan EMIs