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Loan EMI Calculator

Choose the type of loan, then enter its amount, interest rate and tenure to calculate the monthly EMI and total interest over its life.

Loan EMI Calculator

Choose the loan type, then enter its amount, interest rate and tenure.

Blank gray fields need your amounts. Gray values are recommended starting assumptions and can also be changed. Green fields have been entered or changed.

Loan type
Not entered
Monthly EMI
₹0
Total interest
₹0
Total payment
₹0

How to use this calculator

  • Enter the loan amount you will actually borrow after the down payment.
  • Use the rate your lender has quoted, not the headline rate.
  • Compare tenures: a longer tenure lowers the EMI but raises total interest sharply.

Frequently asked questions

How much EMI can I afford?
Keep total EMIs under about 40% of take-home pay, and a home-loan EMI under 35%, so that investing for goals does not stop while the loan runs.
Should I prepay my home loan or invest?
Compare the loan rate with the after-tax return you realistically expect. Prepaying a high-rate personal or credit-card debt is almost always the better decision; a low-rate home loan is a closer call and also depends on how the debt makes you feel.

Turn this number into an actual roadmap

A calculator gives you a target. Getting there needs the right asset mix, insurance in place first, and a review every six months. The first consultation is free.

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Disclaimer: Calculations are illustrative and assume constant returns. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.