เครื่องคิดเลข EMI สินเชื่อ
คำนวณงวดผ่อนชำระรายเดือน (EMI) สำหรับสินเชื่อใดๆ
EMI รายเดือน
เงินชำระรวม
ดอกเบี้ยรวม
สัดส่วนดอกเบี้ย
%
เงินต้น:
ดอกเบี้ย:
เงินต้น (%)
ดอกเบี้ย (%)
สูตร EMI
EMI = P × r × (1+r)n / ((1+r)n - 1)
EMI = equated monthly installment
P = loan amount (principal)
r = monthly interest rate (annual rate / 12 / 100)
n = number of monthly installments
Frequently Asked Questions
What is EMI and how is it calculated?
EMI (Equated Monthly Installment) is a fixed monthly payment that includes both principal and interest. The formula is EMI = P × r × (1+r)^n / ((1+r)^n – 1), where P is the principal, r is the monthly interest rate, and n is the number of months.
How does loan tenure affect EMI and total interest?
A longer tenure reduces your monthly EMI but increases total interest paid. For example, a $200,000 loan at 6% costs $1,199/month over 30 years (total interest: $231,640) versus $1,933/month over 15 years (total interest: $147,940).
What is an amortization schedule?
An amortization schedule shows how each EMI payment is split between principal and interest over the life of the loan. In early years, most of each payment goes toward interest. As the loan matures, a larger portion goes toward reducing the principal balance.