Flexible EMI Calculator

Loan details

Want to find one value? Leave only that box blank.

Loan amount Example: 9695. Up to Rs. 99,00,00,000. Annual interest rate (%) Yearly rate. Example: 10.5 Tenure Example: 60. Loan time. Tenure type Select time unit. EMI Example: 84701. Monthly payment.

Summary

Monthly EMI -

Total interest -

Total payable -

Repayment Schedule

Prepayment

Example: If you have Rs. 10,000 now, use Amount + Month. If you can pay Rs. 2,000 extra every month, use Monthly extra.

Extra money you can pay apart from EMI.

What should happen after extra payment? Choose earlier loan finish or lower monthly EMI.

Amount How much extra can you pay? Month Month when you pay it.

Monthly extra Extra you can pay monthly. Start mnth Month monthly extra starts.

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Step EMI

EMI changes after a fixed gap, like yearly increase or decrease.

Step amount Amount EMI should change by. Every mnths Example: 12 means yearly.

Step-down EMI Off means EMI increases over time. On means EMI reduces over time.

Foreclosure charges

Charge on extra payment or early full closure.

Foreclosure charges (%) Example: 2 means 2% on extra amount paid.

Processing fee One-time fee charged by lender. GST / other charges Tax or extra charges added to cost.

Moratorium mnths Months EMI is paused, but interest may still be added.

Custom extra payments

Add different extra payments in different months.

Use this if you may pay extra more than once.

Floating interest rate

Change interest rate from a selected month.

Use this if loan rate may increase or decrease later.

Month by month

Amortization schedule

Month	EMI	Principal	Interest	Extra	Charge	Balance	Note	Copy
Enter details and calculate.