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EMI Calculator India
Estimate monthly loan EMI, total interest and total repayment. Your numbers stay in your browser.
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Your result
For planning and estimation only.How this calculator works
EMI uses the standard reducing-balance loan formula to estimate a fixed monthly payment from principal, interest rate and tenure.
FormulaEMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)
Worked example
For ₹5,00,000 over 5 years at 10% annual interest, the estimated EMI is about ₹10,624 per month.
Things to know
- P is principal, r is the monthly interest rate and n is the number of monthly payments.
- Lender fees, insurance, rounding and floating-rate changes are not included.
Why use this tool?
- Instant result with Indian number formatting
- No account, upload or personal data required
- Works on phone and desktop
Tax, investment and loan results are estimates—not professional financial or tax advice. Verify important decisions with a qualified adviser or provider.
Content reviewed 21 August 2026