EMI Calculator — Loan EMI with Amortisation Schedule

Loan details

Drag the sliders or type exact values.

Loan amount ₹

Interest rate (p.a.) %

Tenure — years yrs

Tenure — months mo

Total tenure = years × 12 + months.

Your EMI

Monthly EMI
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Principal Amount

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Total Interest

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Total Payment

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Interest as % of Principal

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Formula: EMI = P × i × (1+i)ⁿ ÷ [ (1+i)ⁿ − 1 ], where i = monthly rate = annual ÷ 12, n = tenure in months. The Excel file rebuilds the entire amortisation schedule from your inputs — change any cell and it recalculates.

Amortisation schedule

Month	Opening Balance (₹)	EMI (₹)	Principal (₹)	Interest (₹)	Closing Balance (₹)

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