Professional EMI analysis with amortization schedules, balance tracking, and graphical interest breakdown.
Quick Pro Tip
Increasing your EMI by just 10% can reduce your loan tenure by up to 25% for long-term home loans.
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Enter your loan amount, interest rate, and tenure. Our tool provides a summary, a visual breakdown of your debt, and a year-by-year amortization schedule to help you plan your finances better.
EMI = P × r × (1 + r)^n / ((1 + r)^n - 1)
Where:
P = Principal loan amount
r = Monthly interest rate (annual rate / 12 / 100)
n = Number of monthly installmentsFor a loan of ₹10,00,000 at 10% annual interest for 5 years (60 months): Monthly Interest Rate = 10 / 12 / 100 = 0.00833 EMI = 10,00,000 × 0.00833 × (1.00833)^60 / ((1.00833)^60 - 1) EMI = ₹21,247 per month Total Payment = ₹12,74,820 Total Interest = ₹2,74,820
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Enter your loan details to view the full analysis, charts, and schedule.