CalcTools

Loan & EMI Calculator

Calculate EMI, total interest, and repayment schedule for home, personal, or auto loans.

Loan Inputs

Update the loan amount, interest rate, and tenure to instantly recompute your EMI.

Repayment Summary
Monthly EMI₹21,144.987
Total Interest₹2,574,796.773
Total Amount Payable₹5,074,796.773
240 monthly payments • principal ₹2,500,000

In the first EMI, ₹16,979.167 goes toward interest and ₹4,165.82 reduces the principal. As the loan progresses, the interest component drops while principal repayment accelerates.

  • Make part-prepayments to cut total interest.
  • Keep EMI under 40% of monthly income.
  • Compare floating vs fixed rates before finalizing.
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