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EMI Calculator — monthly EMI, total interest, year-wise schedule
Loan amount, rate, tenure — the EMI and the real cost of the loan, instantly.
Monthly EMI
₹10,747
for 60 months at 10.5% p.a.
- Principal
- ₹5,00,000
- Total interest
- ₹1,44,817
- Total payment
- ₹6,44,817
Principal 78% · Interest 22%
Year-wise schedule ▾
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹80,253 | ₹48,711 | ₹4,19,747 |
| 2 | ₹89,097 | ₹39,867 | ₹3,30,651 |
| 3 | ₹98,916 | ₹30,048 | ₹2,31,735 |
| 4 | ₹1,09,816 | ₹19,147 | ₹1,21,919 |
| 5 | ₹1,21,919 | ₹7,045 | ₹0 |
Standard reducing-balance EMI: the formula banks and NBFCs use for home, car, personal, business and gold loans. Move the sliders to see how tenure trades monthly EMI against total interest.
Processing fees, insurance and prepayment terms differ by lender — this shows the base EMI.
How to use it
- 1
Enter amount, rate, tenure
Annual interest rate; tenure in months or years.
- 2
Read EMI and total interest
Plus principal vs interest share.
- 3
Check the schedule
Year-wise principal, interest and balance.
Built into every LentloSites website
Loan agents and DSAs get EMI and eligibility calculators built into their LentloSites website — every visitor becomes a lead.
Questions
Which formula is used?
Does it include processing fees or GST on fees?
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