EMI Calculator
Estimate your monthly EMI, total interest, and payoff schedule based on loan amount, interest rate, and tenure.
EMI Calculator
Calculate your monthly EMI, total interest, and payoff schedule.
Enter your numbers
Optional. Extra payments reduce total interest and payoff time.
Your Results
Breakdown
Amortization schedule
Showing 60 periods (monthly).
| Period | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $212 | $129 | $83 | $9,871 |
| 2 | $212 | $130 | $82 | $9,741 |
| 3 | $212 | $131 | $81 | $9,609 |
| 4 | $212 | $132 | $80 | $9,477 |
| 5 | $212 | $133 | $79 | $9,343 |
| 6 | $212 | $135 | $78 | $9,209 |
| 7 | $212 | $136 | $77 | $9,073 |
| 8 | $212 | $137 | $76 | $8,936 |
| 9 | $212 | $138 | $74 | $8,798 |
| 10 | $212 | $139 | $73 | $8,659 |
| 11 | $212 | $140 | $72 | $8,519 |
| 12 | $212 | $141 | $71 | $8,377 |
| 13 | $212 | $143 | $70 | $8,235 |
| 14 | $212 | $144 | $69 | $8,091 |
| 15 | $212 | $145 | $67 | $7,946 |
| 16 | $212 | $146 | $66 | $7,800 |
| 17 | $212 | $147 | $65 | $7,652 |
| 18 | $212 | $149 | $64 | $7,503 |
| 19 | $212 | $150 | $63 | $7,353 |
| 20 | $212 | $151 | $61 | $7,202 |
| 21 | $212 | $152 | $60 | $7,050 |
| 22 | $212 | $154 | $59 | $6,896 |
| 23 | $212 | $155 | $57 | $6,741 |
| 24 | $212 | $156 | $56 | $6,585 |
| 25 | $212 | $158 | $55 | $6,427 |
| 26 | $212 | $159 | $54 | $6,268 |
| 27 | $212 | $160 | $52 | $6,108 |
| 28 | $212 | $162 | $51 | $5,946 |
| 29 | $212 | $163 | $50 | $5,783 |
| 30 | $212 | $164 | $48 | $5,619 |
| 31 | $212 | $166 | $47 | $5,454 |
| 32 | $212 | $167 | $45 | $5,287 |
| 33 | $212 | $168 | $44 | $5,118 |
| 34 | $212 | $170 | $43 | $4,948 |
| 35 | $212 | $171 | $41 | $4,777 |
| 36 | $212 | $173 | $40 | $4,604 |
| 37 | $212 | $174 | $38 | $4,430 |
| 38 | $212 | $176 | $37 | $4,255 |
| 39 | $212 | $177 | $35 | $4,078 |
| 40 | $212 | $178 | $34 | $3,899 |
| 41 | $212 | $180 | $32 | $3,719 |
| 42 | $212 | $181 | $31 | $3,538 |
| 43 | $212 | $183 | $29 | $3,355 |
| 44 | $212 | $185 | $28 | $3,170 |
| 45 | $212 | $186 | $26 | $2,984 |
| 46 | $212 | $188 | $25 | $2,797 |
| 47 | $212 | $189 | $23 | $2,607 |
| 48 | $212 | $191 | $22 | $2,417 |
| 49 | $212 | $192 | $20 | $2,224 |
| 50 | $212 | $194 | $19 | $2,030 |
| 51 | $212 | $196 | $17 | $1,835 |
| 52 | $212 | $197 | $15 | $1,638 |
| 53 | $212 | $199 | $14 | $1,439 |
| 54 | $212 | $200 | $12 | $1,238 |
| 55 | $212 | $202 | $10 | $1,036 |
| 56 | $212 | $204 | $9 | $832 |
| 57 | $212 | $206 | $7 | $627 |
| 58 | $212 | $207 | $5 | $420 |
| 59 | $212 | $209 | $3 | $211 |
| 60 | $212 | $211 | $2 | $0 |
How this personal finance calculator works
The EMI Calculator in figflows is designed to give you a fast and practical estimate without requiring an account or sending your data to a server. You can explore different scenarios by changing inputs and immediately seeing how the outputs respond.
We keep the experience static-first and SEO-friendly: the page content is pre-rendered at build time, and only the calculator itself runs on the client. That approach keeps the site fast while still delivering interactive results.
Use this page as a planning tool: start with realistic inputs, then adjust one variable at a time to understand what matters most. If you’re using this calculator for budgeting, it’s often helpful to run a “best case,” “expected,” and “worst case” scenario and compare the deltas.
Quick steps
- Enter your inputs in the form above. You can adjust values to compare scenarios.
- We compute results instantly in your browser (no server calls), so your inputs stay on your device.
- Use the output cards to understand the “headline” result, then review the breakdown/table for details.
Limitations & important notes
Personal finance outcomes vary by product terms, fees, taxation, and changing rates. Use these calculators for planning and confirm details with official sources or your provider.
For the most accurate outcome, confirm assumptions (rates, fees, coverage details, and thresholds) against current official sources or provider documents. We’ll continue improving the underlying reference datasets over time.
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