लोन EMI कैलकुलेटर
किसी भी लोन के लिए अपनी समान मासिक किस्त (EMI) की गणना करें।
Overview
An equated monthly installment keeps the payment constant across the loan term while the split between interest and principal shifts. The standard annuity formula derives the payment from principal, monthly rate and term, and every scheduled instalment is identical from the first to the last.
मासिक EMI
कुल भुगतान
कुल ब्याज
ब्याज अनुपात
%
EMI सूत्र
EMI = equated monthly installment
P = loan amount (principal)
r = monthly interest rate (annual rate / 12 / 100)
n = number of monthly installments
How to Use
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1
Enter the loan details
Type the principal amount, annual interest rate, and loan tenure in months or years.
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2
Review the monthly EMI
The equated monthly installment is calculated instantly using the standard reducing-balance formula.
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3
Inspect the amortization schedule
See the full month-by-month breakdown of principal, interest, and remaining balance.
About
Early payments are dominated by interest because interest accrues on the outstanding balance, which is largest at the start. On a twenty-year loan at typical rates, the first payment can be more than three-quarters interest, while the final payment is almost entirely principal. That front-loading is why an early prepayment reduces total interest far more than the same amount paid near the end.
An amortisation schedule makes the arithmetic explicit, listing the interest, principal and remaining balance for each period. Total interest paid is the sum of all instalments minus the original principal, a figure typically far larger than borrowers estimate from the headline rate alone.