Tài chính
Tức thì, riêng tư và miễn phí
Máy tính EMI.
Calculate loan EMI with amortization schedule and prepayment analysis
Nhập giá trị
Kết quả cập nhật khi bạn nhập.
Câu hỏi thường gặp
What is EMI?
EMI (Equated Monthly Installment) is a fixed payment amount made by a borrower to a lender at a specified date each month.
How is EMI calculated?
EMI = P × r × (1+r)^n / ((1+r)^n - 1), where P is principal, r is monthly interest rate, and n is number of months.
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.