Loan EMI Calculator
अपने वित्त आसान बनाएं — EMI, ब्याज और कुल पुनर्भुगतान कैलकुलेट करें।
Free EMI calculator for home loan, car loan, and personal loan. Compare loan offers side-by-side, calculate prepayment savings, check affordability based on salary, explore 'What If' scenarios, find hidden interest rates in zero-EMI schemes, and view a month-by-month EMI calendar. Full amortization schedule with PDF/CSV export.
| Month/Year | EMI | Principal | Interest | Balance |
|---|
| Bank | Rate Range | Processing Fee | Action |
|---|
Compare up to 3 loan offers side by side. Enter each bank's offer and see which is truly the best deal.
| Mo | Date | EMI | Principal | Interest | Extra | Balance |
|---|
Enter your income and expenses to find the maximum loan you can comfortably afford.
Drag the sliders to explore how changes affect your loan in real-time.
Know your EMI but not the interest rate? Enter the loan amount, EMI, and tenure to find the hidden interest rate. Ideal for "zero EMI" gadget purchases or store financing.
Many "zero cost EMI" offers hide the interest inside the product's inflated price or processing fees. The actual APR can be surprisingly high (15–35%). Always calculate the true cost before signing up.
Visual month-by-month calendar showing each EMI payment, outstanding balance, and principal repaid progress.
कैसे इस्तेमाल करें
An EMI (Equated Monthly Installment) is the fixed monthly payment a borrower makes to repay a loan over a defined period. Every EMI has two components: principal repayment (reducing the outstanding loan) and interest (the cost of borrowing). Over the life of a loan, the interest portion decreases and the principal portion increases — this is the magic of amortization.
EMI का फॉर्मूला
EMI = [P × R × (1+R)N] / [(1+R)N – 1], where P is the principal, R is the monthly interest rate (annual ÷ 12 ÷ 100), and N is the tenure in months. For a ₹10 lakh loan at 10% for 5 years: EMI = ₹21,247/month.
7 मोड — पूरा लोन प्लानिंग स्टूडियो
Unlike basic calculators that only show the EMI, EasifyMe's Loan EMI Calculator offers seven integrated modes for complete loan planning:
- EMI Calculator: Compute monthly EMI with real-time sliders, animated donut chart, year-by-year bar chart, and full amortization schedule (monthly/yearly) with CSV/PDF export.
- Loan Comparison: Compare up to 3 bank offers side by side with total cost, effective APR (including processing fees), and automatic best-deal identification.
- Prepayment Impact: See exactly how extra monthly payments, annual lump sums, or one-time prepayments save interest and close your loan early — with a visual timeline.
- Affordability Calculator: Input your salary, expenses, and existing EMIs to find the maximum loan you can comfortably afford at your chosen rate and tenure.
- What If Scenarios: Interactive sliders to explore: what if rates rise by 1%? What if I pay ₹5,000 extra monthly? What if I shorten the tenure by 5 years?
- Interest Rate Finder: Reverse-calculate the hidden interest rate in "zero EMI" gadget purchases or store financing — reveals true APR including fees.
- EMI Calendar: Month-by-month visual grid showing each payment, outstanding balance, and repayment progress — with a year-end summary.
भारत के लिए बना डिज़ाइन
Built for Indian borrowers first: INR formatting with lakhs and crores, current approximate rates from top banks (SBI, HDFC, ICICI, Axis, PNB, Kotak, LIC Housing), floating rate simulator for RBI repo rate changes, and salary-based affordability with Section 24b tax context. Multi-currency support covers USD, GBP, AED, CAD, AUD, and SGD with auto-detection.
All calculations are 100% client-side — your financial data never leaves your browser. Save multiple loan scenarios in localStorage to compare over days or weeks, just like real borrowers do before finalizing a loan.
अक्सर पूछे जाने वाले प्रश्न
EMI = [P × R × (1+R)N] / [(1+R)N – 1], जहाँ P loan principal है, R monthly interest rate है (annual rate ÷ 12 ÷ 100), और N tenure महीनों में है। ₹10 लाख के loan पर 10% p.a. की दर से 5 साल के लिए: R = 10/12/100 = 0.00833, N = 60, EMI = ₹21,247।
हाँ, लेकिन आप कुल interest काफी ज्यादा चुकाते हैं। ₹50 लाख के home loan पर 8.5% की दर से: 15 साल की tenure = ₹49,236/महीना (कुल ₹38.6 लाख interest); 20 साल = ₹43,391/महीना (₹54.1 लाख interest); 25 साल = ₹40,260/महीना (₹70.8 लाख interest)। "What If" tab यह trade-off visually दिखाता है।
Extra payments आपका outstanding principal कम करती हैं, जिसका मतलब है हर महीने कम interest जुड़ता है। ₹50 लाख के loan पर 8.5% की दर से हर महीने सिर्फ ₹5,000 extra देने से ₹12+ लाख interest बच सकता है और loan 4+ साल पहले बंद हो सकता है। अपनी exact savings जानने के लिए Prepayment tab use करें।
APR (Annual Percentage Rate) में interest rate के साथ-साथ सभी fees (processing fee, administrative charges) को एक single annual rate के रूप में शामिल किया जाता है। ₹50,000 processing fee के साथ 8.5% पर एक loan का APR 8.5% से ज्यादा होता है। हमारा Comparison tab APR calculate करता है ताकि आप अलग-अलग offers की actual cost compare कर सकें।
Financial experts सलाह देते हैं कि कुल EMIs monthly income के 30–40% से कम रखें। Affordability tab use करें — अपनी salary, monthly expenses और existing EMIs डालें। Calculator maximum affordable loan amount दिखाता है और flag करता है अगर आपका debt-to-income ratio बहुत ज्यादा हो (40% से ऊपर danger zone है)।
"Zero cost EMI" schemes आमतौर पर interest को product के inflated MRP में या processing fees में छुपा देती हैं। Interest Rate Finder tab use करें — item price, अपनी EMI और installments की संख्या डालें ताकि actual APR पता चले, जो कई मामलों में आश्चर्यजनक रूप से ज्यादा हो सकता है (15–35%)।
Floating rate loans (जैसे भारत में ज्यादातर home loans) की interest rates RBI repo rate से जुड़ी होती हैं। जब RBI rates बढ़ाता है, आपकी EMI या tenure बढ़ जाती है; जब rates घटाता है, आपको फायदा होता है। EMI tab पर Floating Rate Simulator use करें और देखें कि ±0.25% से ±2% rate changes आपके monthly outflow और total interest को कैसे affect करते हैं।
पूरी तरह सुरक्षित। सभी EMI calculations JavaScript का उपयोग करके पूरी तरह आपके browser में होती हैं — कोई data किसी server को नहीं भेजा जाता। Saved loans आपके browser के localStorage में (सिर्फ आपके device पर) store होते हैं। कोई login नहीं, कोई account नहीं, और कोई data collection बिल्कुल नहीं।