LiveEveryday · Money

Loan EMI calculator

Your monthly EMI, the total interest, and how much you save by paying a little extra every month.

52%is interest

Your EMI₹26,035a month, for 20 years

Year 1Early years are mostly interestYear 20

Loan amount₹30.0 L

Interest rate (yearly)8.5%

Years20

Pay extra every monthnothing

Total interest₹32.5 L

Total you pay₹62.5 L

Interest saved—

Loan endson time

You pay ₹32.5 L in interest on a ₹30.0 L loan. Try “pay extra every month” to see how much a small top-up saves.

goes to the loangoes to interestMaths only — your bank’s exact figures may differ slightly.

How it works

1EMI = loan × monthly rate × (1 + rate)^months ÷ ((1 + rate)^months − 1).
2The chart shows each year’s payments. Early years are mostly interest; later years are mostly the loan.
3Any extra payment goes straight to the loan itself, so the loan ends sooner and you pay less interest.

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