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Loan EMI Calculator

A 1% difference in interest rate, or 5 extra years of tenure, can swing your total interest by lakhs. See the real numbers before you sign.

Loan EMI calculator
Loan amount₹40,00,000
Interest rate / year8.5%
Tenure20 yrs
Monthly EMI
₹34,714
Same amount every month, for the whole tenure.
Principal₹0
Interest₹0
Total interest₹0
Total payback₹0
A 1% higher rate or 5 extra years can swing total interest by lakhs — worth shopping around.

How this works

Your EMI depends on three things: loan amount, interest rate, and tenure. This calculator shows the standard amortization math instantly, plus a breakdown of how much of your total payback is principal versus interest — which is almost always a bigger number than people expect on longer tenures.

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