Loans
EMI Calculator
Calculate your monthly EMI for any loan — home, car, or personal. See exactly how much goes to principal vs interest with a live donut chart.
Inputs
₹
₹50.0 K₹2.00 Cr
%
4.00%24.00%
yr
1 yr30 yr
Monthly EMI
₹21,696
Total interest
₹27,06,939
Total payment
₹52,06,939
Payment breakdown
Principal vs Interest · 20 time period
PrincipalInterest
EMI formula
EMI = P × r × (1 + r)^n / ((1 + r)^n − 1)- P — loan amount (principal)
- r — monthly interest rate
- n — total months
Tips to lower your EMI
- • Larger down payment reduces principal, lowering EMI directly.
- • Longer tenure cuts EMI but increases total interest paid.
- • Shop rates across banks — even 0.5% lower can save lakhs over 20 years.
- • Prepay whenever you have surplus — interest is front-loaded.