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Calculadora de EMI.
Calcula EMI de préstamo con cronograma de amortización y análisis de prepago
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Los resultados se actualizan al escribir.
Preguntas Frecuentes
¿Qué es EMI?
EMI (Cuota Mensual Igualada) es un pago fijo que realiza un prestatario a un prestamista cada mes.
¿Cómo se calcula EMI?
EMI = P × r × (1+r)^n / ((1+r)^n - 1), donde P es principal, r es tasa de interés mensual, y n es número de meses.
How to Use the EMI Calculator
Calculate your Equated Monthly Installment (EMI) for any loan, plus total interest and total repayment.
- Enter the loan amount (principal).
- Enter the annual interest rate.
- Enter the loan tenure in months or years.
- Review your monthly EMI, total interest, and total amount payable.
EMI Formula
Equated Monthly Installment
P is principal, r is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of months.
Example:
Input: P = 1,000,000, 9% for 20 years
Calculation: r = 0.0075, n = 240
Result: EMI ≈ 8,997/month
Real-World Use Cases
Home Loan Planning
Check whether a home-loan EMI fits your monthly budget before applying.
Comparing Tenures
See how a longer tenure lowers the EMI but raises total interest.
Prepayment Decisions
Estimate interest saved by shortening the tenure.
Tips & Common Mistakes
Tips
- Keep EMIs under ~40% of take-home pay.
- A shorter tenure costs more per month but far less total interest.
Common Mistakes to Avoid
- Focusing only on the EMI and ignoring total interest.
- Forgetting processing fees and insurance add-ons.