EMI Calculator
Calculate your monthly EMI, total interest, effective APR (incl. fees), and see a full amortization schedule. Add a prepayment to cut interest and reduce tenure.
Loan details
First EMI assumed one month after disbursal
Compare another offer (optional)
—
Monthly EMI
—
Total Interest
—
Total Payment
—
Upfront Fees
—
Net Disbursed
—
Effective APR (incl. fee)
—
Prepayment simulator
1 = first EMI
New Tenure
—
New Total Interest
—
Interest Saved
—
Show prepayment schedule
| # | Due date | EMI (₹) | Extra (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
|---|
| # | Due date | EMI (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
|---|
Estimates only. Bank methods (rounding, due dates, prepayment rules/charges) may vary. Verify with your lender.
Tips
- Prepay early months for outsized interest savings.
- When fees are high, compare APR, not just EMI.
- For floating rates, re-check every 6–12 months.
Next steps
What is APR?
Annual Percentage Rate blends interest and upfront fees to show the true yearly cost of credit.
