EMI Calculator

Plan your loan smartly — repayment schedule, interest savings & stress scenarios

Loan Details

Loan Amount

₹

= ₹50 L

₹1 L₹10 Cr

Interest Rate (per annum)

1%30%

Loan Tenure

Years

1 Yr30 Yrs

⚡

Advanced Options

Stress test · Smart EMI · Extra payments

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📊 Stress Test: Rate Change

Enable stress test scenario

Revised Interest Rate

1%30%

💡See how your EMI & tenure change if interest rates rise — Scenario A keeps tenure same, Scenario B keeps EMI same.

🚀 Smart EMI: Extra Annual Payments

I plan to make extra payments each year

Extra EMIs per year

× EMI

💡Extra payments at year-end can cut your loan tenure by years and save on interest.

Monthly EMI

—

per month

Total Interest

—

Total Payment

—

principal + interest

Loan Tenure

—

Payment Breakdown

Split Summary

Principal Amount

—

Total Interest

—

Total Repayment

—

100%

—

⚡ Stress Test — Rate Change Impact

If your rate rises to —, here's what changes:

Scenario A

Same Tenure → Higher EMI

Revised Monthly EMI

—

Total Interest (Revised)

—

Scenario B

Same EMI → Longer Tenure

Extended Tenure

—

Total Interest (Extended)

—

🚀 Smart EMI — Savings from Extra Payments

Making — extra EMI(s) per year at year-end:

Months Saved

—

Interest Saved

—

✅—

📋 Amortization Schedule

Month	Opening Balance	Interest	Principal	EMI Paid	Closing Balance