Loan EMI Calculator
Runs in your browser — your data is never uploaded.
Calculate the monthly payment (EMI) for a loan from the principal, annual interest rate, and tenure — plus the total payment and total interest over the life of the loan. Updates instantly as you type.
How to use Loan EMI Calculator
- 1
Enter the loan amount, annual interest rate, and tenure in months.
- 2
The monthly payment, total payment, and total interest update automatically.
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Frequently asked questions
What formula is used?+
The standard amortization formula: 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.
What if the interest rate is 0%?+
The calculator falls back to a simple even split: the principal divided evenly across the tenure, with no interest component.
Is my data uploaded anywhere?+
No. The calculation runs entirely in your browser — nothing is sent to a server, which matters for real loan figures.