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Finance / FREE ONLINE TOOL

EMI calculator

Build monthly schedules for flat or reducing interest, fixed or floating rates, EMI, equal-principal and balloon repayments.

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FINANCE · FREE · LOCAL

Make it happen.

Reducing-balance interest is charged on the outstanding principal. Fixed/floating describes whether the annual rate changes. For an existing loan, enter its outstanding principal and remaining term.

Initial planned payment₹43,391.16
Latest scheduled EMI₹43,391.16
Total interest₹54,13,879.44
Total including prepayment fees₹1,04,13,879.44
Paid off in240 months
Final payment date2046-10-31
Balance over time Green: current plan
Month 1Month 240₹49,92,025.51
View all monthly calculations
monthPeriod startsPayment dateAnnual rate at period end (%)Interest for period (%)Rate reset in periodopening BalanceRegular payment (₹)prepaymentprincipalinterestsettlement Interestinterest Rebatefeespaymentbalance
12026-10-312026-11-308.50.7083333333—500000043391.1607974.4935416.6700043391.164992025.51
22026-11-302026-12-318.50.7083333333—4992025.5143391.1608030.9835360.1800043391.164983994.53
32026-12-312027-01-318.50.7083333333—4983994.5343391.1608087.8735303.2900043391.164975906.66
42027-01-312027-02-288.50.7083333333—4975906.6643391.1608145.1535246.0100043391.164967761.51
52027-02-282027-03-318.50.7083333333—4967761.5143391.1608202.8535188.3100043391.164959558.66
62027-03-312027-04-308.50.7083333333—4959558.6643391.1608260.9535130.2100043391.164951297.71
72027-04-302027-05-318.50.7083333333—4951297.7143391.1608319.4735071.6900043391.164942978.24
82027-05-312027-06-308.50.7083333333—4942978.2443391.1608378.435012.7600043391.164934599.84
92027-06-302027-07-318.50.7083333333—4934599.8443391.1608437.7434953.4200043391.164926162.1
102027-07-312027-08-318.50.7083333333—4926162.143391.1608497.5134893.6500043391.164917664.59
112027-08-312027-09-308.50.7083333333—4917664.5943391.1608557.734833.4600043391.164909106.89
122027-09-302027-10-318.50.7083333333—4909106.8943391.1608618.3234772.8400043391.164900488.57
132027-10-312027-11-308.50.7083333333—4900488.5743391.1608679.3734711.7900043391.164891809.2
142027-11-302027-12-318.50.7083333333—4891809.243391.1608740.8434650.3200043391.164883068.36
152027-12-312028-01-318.50.7083333333—4883068.3643391.1608802.7634588.400043391.164874265.6
162028-01-312028-02-298.50.7083333333—4874265.643391.1608865.1134526.0500043391.164865400.49
172028-02-292028-03-318.50.7083333333—4865400.4943391.1608927.9134463.2500043391.164856472.58
182028-03-312028-04-308.50.7083333333—4856472.5843391.1608991.1534400.0100043391.164847481.43
192028-04-302028-05-318.50.7083333333—4847481.4343391.1609054.8334336.3300043391.164838426.6
202028-05-312028-06-308.50.7083333333—4838426.643391.1609118.9734272.1900043391.164829307.63
212028-06-302028-07-318.50.7083333333—4829307.6343391.1609183.5634207.600043391.164820124.07
222028-07-312028-08-318.50.7083333333—4820124.0743391.1609248.6134142.5500043391.164810875.46
232028-08-312028-09-308.50.7083333333—4810875.4643391.1609314.1334077.0300043391.164801561.33
242028-09-302028-10-318.50.7083333333—4801561.3343391.1609380.134011.0600043391.164792181.23
252028-10-312028-11-308.50.7083333333—4792181.2343391.1609446.5433944.6200043391.164782734.69
262028-11-302028-12-318.50.7083333333—4782734.6943391.1609513.4633877.700043391.164773221.23
272028-12-312029-01-318.50.7083333333—4773221.2343391.1609580.8433810.3200043391.164763640.39
282029-01-312029-02-288.50.7083333333—4763640.3943391.1609648.7133742.4500043391.164753991.68
292029-02-282029-03-318.50.7083333333—4753991.6843391.1609717.0533674.1100043391.164744274.63
302029-03-312029-04-308.50.7083333333—4744274.6343391.1609785.8833605.2800043391.164734488.75
312029-04-302029-05-318.50.7083333333—4734488.7543391.1609855.233535.9600043391.164724633.55
322029-05-312029-06-308.50.7083333333—4724633.5543391.1609925.0133466.1500043391.164714708.54
332029-06-302029-07-318.50.7083333333—4714708.5443391.1609995.3133395.8500043391.164704713.23
342029-07-312029-08-318.50.7083333333—4704713.2343391.16010066.1133325.0500043391.164694647.12
352029-08-312029-09-308.50.7083333333—4694647.1243391.16010137.4133253.7500043391.164684509.71
362029-09-302029-10-318.50.7083333333—4684509.7143391.16010209.2233181.9400043391.164674300.49
372029-10-312029-11-308.50.7083333333—4674300.4943391.16010281.5333109.6300043391.164664018.96
382029-11-302029-12-318.50.7083333333—4664018.9643391.16010354.3633036.800043391.164653664.6
392029-12-312030-01-318.50.7083333333—4653664.643391.16010427.732963.4600043391.164643236.9
402030-01-312030-02-288.50.7083333333—4643236.943391.16010501.5732889.5900043391.164632735.33
412030-02-282030-03-318.50.7083333333—4632735.3343391.16010575.9532815.2100043391.164622159.38
422030-03-312030-04-308.50.7083333333—4622159.3843391.16010650.8632740.300043391.164611508.52
432030-04-302030-05-318.50.7083333333—4611508.5243391.16010726.3132664.8500043391.164600782.21
442030-05-312030-06-308.50.7083333333—4600782.2143391.16010802.2932588.8700043391.164589979.92
452030-06-302030-07-318.50.7083333333—4589979.9243391.16010878.832512.3600043391.164579101.12
462030-07-312030-08-318.50.7083333333—4579101.1243391.16010955.8632435.300043391.164568145.26
472030-08-312030-09-308.50.7083333333—4568145.2643391.16011033.4632357.700043391.164557111.8
482030-09-302030-10-318.50.7083333333—4557111.843391.16011111.6232279.5400043391.164546000.18
492030-10-312030-11-308.50.7083333333—4546000.1843391.16011190.3332200.8300043391.164534809.85
502030-11-302030-12-318.50.7083333333—4534809.8543391.16011269.5932121.5700043391.164523540.26
512030-12-312031-01-318.50.7083333333—4523540.2643391.16011349.4232041.7400043391.164512190.84
522031-01-312031-02-288.50.7083333333—4512190.8443391.16011429.8131961.3500043391.164500761.03
532031-02-282031-03-318.50.7083333333—4500761.0343391.16011510.7731880.3900043391.164489250.26
542031-03-312031-04-308.50.7083333333—4489250.2643391.16011592.331798.8600043391.164477657.96
552031-04-302031-05-318.50.7083333333—4477657.9643391.16011674.4231716.7400043391.164465983.54
562031-05-312031-06-308.50.7083333333—4465983.5443391.16011757.1131634.0500043391.164454226.43
572031-06-302031-07-318.50.7083333333—4454226.4343391.16011840.3931550.7700043391.164442386.04
582031-07-312031-08-318.50.7083333333—4442386.0443391.16011924.2631466.900043391.164430461.78
592031-08-312031-09-308.50.7083333333—4430461.7843391.16012008.7231382.4400043391.164418453.06
602031-09-302031-10-318.50.7083333333—4418453.0643391.16012093.7831297.3800043391.164406359.28
612031-10-312031-11-308.50.7083333333—4406359.2843391.16012179.4531211.7100043391.164394179.83
622031-11-302031-12-318.50.7083333333—4394179.8343391.16012265.7231125.4400043391.164381914.11
632031-12-312032-01-318.50.7083333333—4381914.1143391.16012352.631038.5600043391.164369561.51
642032-01-312032-02-298.50.7083333333—4369561.5143391.16012440.130951.0600043391.164357121.41
652032-02-292032-03-318.50.7083333333—4357121.4143391.16012528.2230862.9400043391.164344593.19
662032-03-312032-04-308.50.7083333333—4344593.1943391.16012616.9630774.200043391.164331976.23
672032-04-302032-05-318.50.7083333333—4331976.2343391.16012706.3330684.8300043391.164319269.9
682032-05-312032-06-308.50.7083333333—4319269.943391.16012796.3330594.8300043391.164306473.57
692032-06-302032-07-318.50.7083333333—4306473.5743391.16012886.9730504.1900043391.164293586.6
702032-07-312032-08-318.50.7083333333—4293586.643391.16012978.2530412.9100043391.164280608.35
712032-08-312032-09-308.50.7083333333—4280608.3543391.16013070.1830320.9800043391.164267538.17
722032-09-302032-10-318.50.7083333333—4267538.1743391.16013162.7630228.400043391.164254375.41
732032-10-312032-11-308.50.7083333333—4254375.4143391.1601325630135.1600043391.164241119.41
742032-11-302032-12-318.50.7083333333—4241119.4143391.16013349.930041.2600043391.164227769.51
752032-12-312033-01-318.50.7083333333—4227769.5143391.16013444.4629946.700043391.164214325.05
762033-01-312033-02-288.50.7083333333—4214325.0543391.16013539.6929851.4700043391.164200785.36
772033-02-282033-03-318.50.7083333333—4200785.3643391.16013635.629755.5600043391.164187149.76
782033-03-312033-04-308.50.7083333333—4187149.7643391.16013732.1829658.9800043391.164173417.58
792033-04-302033-05-318.50.7083333333—4173417.5843391.16013829.4529561.7100043391.164159588.13
802033-05-312033-06-308.50.7083333333—4159588.1343391.16013927.4129463.7500043391.164145660.72
812033-06-302033-07-318.50.7083333333—4145660.7243391.16014026.0629365.100043391.164131634.66
822033-07-312033-08-318.50.7083333333—4131634.6643391.16014125.4129265.7500043391.164117509.25
832033-08-312033-09-308.50.7083333333—4117509.2543391.16014225.4729165.6900043391.164103283.78
842033-09-302033-10-318.50.7083333333—4103283.7843391.16014326.2329064.9300043391.164088957.55
852033-10-312033-11-308.50.7083333333—4088957.5543391.16014427.7128963.4500043391.164074529.84
862033-11-302033-12-318.50.7083333333—4074529.8443391.16014529.9128861.2500043391.164059999.93
872033-12-312034-01-318.50.7083333333—4059999.9343391.16014632.8328758.3300043391.164045367.1
882034-01-312034-02-288.50.7083333333—4045367.143391.16014736.4828654.6800043391.164030630.62
892034-02-282034-03-318.50.7083333333—4030630.6243391.16014840.8628550.300043391.164015789.76
902034-03-312034-04-308.50.7083333333—4015789.7643391.16014945.9828445.1800043391.164000843.78
912034-04-302034-05-318.50.7083333333—4000843.7843391.16015051.8528339.3100043391.163985791.93
922034-05-312034-06-308.50.7083333333—3985791.9343391.16015158.4728232.6900043391.163970633.46
932034-06-302034-07-318.50.7083333333—3970633.4643391.16015265.8428125.3200043391.163955367.62
942034-07-312034-08-318.50.7083333333—3955367.6243391.16015373.9728017.1900043391.163939993.65
952034-08-312034-09-308.50.7083333333—3939993.6543391.16015482.8727908.2900043391.163924510.78
962034-09-302034-10-318.50.7083333333—3924510.7843391.16015592.5427798.6200043391.163908918.24
972034-10-312034-11-308.50.7083333333—3908918.2443391.16015702.9927688.1700043391.163893215.25
982034-11-302034-12-318.50.7083333333—3893215.2543391.16015814.2227576.9400043391.163877401.03
992034-12-312035-01-318.50.7083333333—3877401.0343391.16015926.2427464.9200043391.163861474.79
1002035-01-312035-02-288.50.7083333333—3861474.7943391.16016039.0527352.1100043391.163845435.74
1012035-02-282035-03-318.50.7083333333—3845435.7443391.16016152.6627238.500043391.163829283.08
1022035-03-312035-04-308.50.7083333333—3829283.0843391.16016267.0727124.0900043391.163813016.01
1032035-04-302035-05-318.50.7083333333—3813016.0143391.16016382.327008.8600043391.163796633.71
1042035-05-312035-06-308.50.7083333333—3796633.7143391.16016498.3426892.8200043391.163780135.37
1052035-06-302035-07-318.50.7083333333—3780135.3743391.16016615.226775.9600043391.163763520.17
1062035-07-312035-08-318.50.7083333333—3763520.1743391.16016732.8926658.2700043391.163746787.28
1072035-08-312035-09-308.50.7083333333—3746787.2843391.16016851.4226539.7400043391.163729935.86
1082035-09-302035-10-318.50.7083333333—3729935.8643391.16016970.7826420.3800043391.163712965.08
1092035-10-312035-11-308.50.7083333333—3712965.0843391.16017090.9926300.1700043391.163695874.09
1102035-11-302035-12-318.50.7083333333—3695874.0943391.16017212.0526179.1100043391.163678662.04
1112035-12-312036-01-318.50.7083333333—3678662.0443391.16017333.9726057.1900043391.163661328.07
1122036-01-312036-02-298.50.7083333333—3661328.0743391.16017456.7525934.4100043391.163643871.32
1132036-02-292036-03-318.50.7083333333—3643871.3243391.16017580.425810.7600043391.163626290.92
1142036-03-312036-04-308.50.7083333333—3626290.9243391.16017704.9325686.2300043391.163608585.99
1152036-04-302036-05-318.50.7083333333—3608585.9943391.16017830.3425560.8200043391.163590755.65
1162036-05-312036-06-308.50.7083333333—3590755.6543391.16017956.6425434.5200043391.163572799.01
1172036-06-302036-07-318.50.7083333333—3572799.0143391.16018083.8325307.3300043391.163554715.18
1182036-07-312036-08-318.50.7083333333—3554715.1843391.16018211.9325179.2300043391.163536503.25
1192036-08-312036-09-308.50.7083333333—3536503.2543391.16018340.9325050.2300043391.163518162.32
1202036-09-302036-10-318.50.7083333333—3518162.3243391.16018470.8424920.3200043391.163499691.48
1212036-10-312036-11-308.50.7083333333—3499691.4843391.16018601.6824789.4800043391.163481089.8
1222036-11-302036-12-318.50.7083333333—3481089.843391.16018733.4424657.7200043391.163462356.36
1232036-12-312037-01-318.50.7083333333—3462356.3643391.16018866.1424525.0200043391.163443490.22
1242037-01-312037-02-288.50.7083333333—3443490.2243391.16018999.7724391.3900043391.163424490.45
1252037-02-282037-03-318.50.7083333333—3424490.4543391.16019134.3524256.8100043391.163405356.1
1262037-03-312037-04-308.50.7083333333—3405356.143391.16019269.8924121.2700043391.163386086.21
1272037-04-302037-05-318.50.7083333333—3386086.2143391.16019406.3823984.7800043391.163366679.83
1282037-05-312037-06-308.50.7083333333—3366679.8343391.16019543.8423847.3200043391.163347135.99
1292037-06-302037-07-318.50.7083333333—3347135.9943391.16019682.2823708.8800043391.163327453.71
1302037-07-312037-08-318.50.7083333333—3327453.7143391.16019821.723569.4600043391.163307632.01
1312037-08-312037-09-308.50.7083333333—3307632.0143391.16019962.123429.0600043391.163287669.91
1322037-09-302037-10-318.50.7083333333—3287669.9143391.16020103.523287.6600043391.163267566.41
1332037-10-312037-11-308.50.7083333333—3267566.4143391.16020245.923145.2600043391.163247320.51
1342037-11-302037-12-318.50.7083333333—3247320.5143391.16020389.3123001.8500043391.163226931.2
1352037-12-312038-01-318.50.7083333333—3226931.243391.16020533.7322857.4300043391.163206397.47
1362038-01-312038-02-288.50.7083333333—3206397.4743391.16020679.1822711.9800043391.163185718.29
1372038-02-282038-03-318.50.7083333333—3185718.2943391.16020825.6622565.500043391.163164892.63
1382038-03-312038-04-308.50.7083333333—3164892.6343391.16020973.1722417.9900043391.163143919.46
1392038-04-302038-05-318.50.7083333333—3143919.4643391.16021121.7322269.4300043391.163122797.73
1402038-05-312038-06-308.50.7083333333—3122797.7343391.16021271.3422119.8200043391.163101526.39
1412038-06-302038-07-318.50.7083333333—3101526.3943391.16021422.0121969.1500043391.163080104.38
1422038-07-312038-08-318.50.7083333333—3080104.3843391.16021573.7521817.4100043391.163058530.63
1432038-08-312038-09-308.50.7083333333—3058530.6343391.16021726.5721664.5900043391.163036804.06
1442038-09-302038-10-318.50.7083333333—3036804.0643391.16021880.4621510.700043391.163014923.6
1452038-10-312038-11-308.50.7083333333—3014923.643391.16022035.4521355.7100043391.162992888.15
1462038-11-302038-12-318.50.7083333333—2992888.1543391.16022191.5421199.6200043391.162970696.61
1472038-12-312039-01-318.50.7083333333—2970696.6143391.16022348.7321042.4300043391.162948347.88
1482039-01-312039-02-288.50.7083333333—2948347.8843391.16022507.0320884.1300043391.162925840.85
1492039-02-282039-03-318.50.7083333333—2925840.8543391.16022666.4520724.7100043391.162903174.4
1502039-03-312039-04-308.50.7083333333—2903174.443391.16022827.0120564.1500043391.162880347.39
1512039-04-302039-05-318.50.7083333333—2880347.3943391.16022988.720402.4600043391.162857358.69
1522039-05-312039-06-308.50.7083333333—2857358.6943391.16023151.5420239.6200043391.162834207.15
1532039-06-302039-07-318.50.7083333333—2834207.1543391.16023315.5320075.6300043391.162810891.62
1542039-07-312039-08-318.50.7083333333—2810891.6243391.16023480.6819910.4800043391.162787410.94
1552039-08-312039-09-308.50.7083333333—2787410.9443391.1602364719744.1600043391.162763763.94
1562039-09-302039-10-318.50.7083333333—2763763.9443391.16023814.519576.6600043391.162739949.44
1572039-10-312039-11-308.50.7083333333—2739949.4443391.16023983.1819407.9800043391.162715966.26
1582039-11-302039-12-318.50.7083333333—2715966.2643391.16024153.0719238.0900043391.162691813.19
1592039-12-312040-01-318.50.7083333333—2691813.1943391.16024324.1519067.0100043391.162667489.04
1602040-01-312040-02-298.50.7083333333—2667489.0443391.16024496.4518894.7100043391.162642992.59
1612040-02-292040-03-318.50.7083333333—2642992.5943391.16024669.9618721.200043391.162618322.63
1622040-03-312040-04-308.50.7083333333—2618322.6343391.16024844.7118546.4500043391.162593477.92
1632040-04-302040-05-318.50.7083333333—2593477.9243391.16025020.6918370.4700043391.162568457.23
1642040-05-312040-06-308.50.7083333333—2568457.2343391.16025197.9218193.2400043391.162543259.31
1652040-06-302040-07-318.50.7083333333—2543259.3143391.16025376.4118014.7500043391.162517882.9
1662040-07-312040-08-318.50.7083333333—2517882.943391.16025556.161783500043391.162492326.74
1672040-08-312040-09-308.50.7083333333—2492326.7443391.16025737.1817653.9800043391.162466589.56
1682040-09-302040-10-318.50.7083333333—2466589.5643391.16025919.4817471.6800043391.162440670.08
1692040-10-312040-11-308.50.7083333333—2440670.0843391.16026103.0817288.0800043391.162414567
1702040-11-302040-12-318.50.7083333333—241456743391.16026287.9817103.1800043391.162388279.02
1712040-12-312041-01-318.50.7083333333—2388279.0243391.16026474.1816916.9800043391.162361804.84
1722041-01-312041-02-288.50.7083333333—2361804.8443391.16026661.7116729.4500043391.162335143.13
1732041-02-282041-03-318.50.7083333333—2335143.1343391.16026850.5616540.600043391.162308292.57
1742041-03-312041-04-308.50.7083333333—2308292.5743391.16027040.7516350.4100043391.162281251.82
1752041-04-302041-05-318.50.7083333333—2281251.8243391.16027232.2916158.8700043391.162254019.53
1762041-05-312041-06-308.50.7083333333—2254019.5343391.16027425.1915965.9700043391.162226594.34
1772041-06-302041-07-318.50.7083333333—2226594.3443391.16027619.4515771.7100043391.162198974.89
1782041-07-312041-08-318.50.7083333333—2198974.8943391.16027815.0915576.0700043391.162171159.8
1792041-08-312041-09-308.50.7083333333—2171159.843391.16028012.1115379.0500043391.162143147.69
1802041-09-302041-10-318.50.7083333333—2143147.6943391.16028210.5315180.6300043391.162114937.16
1812041-10-312041-11-308.50.7083333333—2114937.1643391.16028410.3614980.800043391.162086526.8
1822041-11-302041-12-318.50.7083333333—2086526.843391.16028611.614779.5600043391.162057915.2
1832041-12-312042-01-318.50.7083333333—2057915.243391.16028814.2614576.900043391.162029100.94
1842042-01-312042-02-288.50.7083333333—2029100.9443391.16029018.3614372.800043391.162000082.58
1852042-02-282042-03-318.50.7083333333—2000082.5843391.16029223.9114167.2500043391.161970858.67
1862042-03-312042-04-308.50.7083333333—1970858.6743391.16029430.9113960.2500043391.161941427.76
1872042-04-302042-05-318.50.7083333333—1941427.7643391.16029639.3813751.7800043391.161911788.38
1882042-05-312042-06-308.50.7083333333—1911788.3843391.16029849.3313541.8300043391.161881939.05
1892042-06-302042-07-318.50.7083333333—1881939.0543391.16030060.7613330.400043391.161851878.29
1902042-07-312042-08-318.50.7083333333—1851878.2943391.16030273.6913117.4700043391.161821604.6
1912042-08-312042-09-308.50.7083333333—1821604.643391.16030488.1312903.0300043391.161791116.47
1922042-09-302042-10-318.50.7083333333—1791116.4743391.16030704.0912687.0700043391.161760412.38
1932042-10-312042-11-308.50.7083333333—1760412.3843391.16030921.5712469.5900043391.161729490.81
1942042-11-302042-12-318.50.7083333333—1729490.8143391.16031140.612250.5600043391.161698350.21
1952042-12-312043-01-318.50.7083333333—1698350.2143391.16031361.1812029.9800043391.161666989.03
1962043-01-312043-02-288.50.7083333333—1666989.0343391.16031583.3211807.8400043391.161635405.71
1972043-02-282043-03-318.50.7083333333—1635405.7143391.16031807.0411584.1200043391.161603598.67
1982043-03-312043-04-308.50.7083333333—1603598.6743391.16032032.3411358.8200043391.161571566.33
1992043-04-302043-05-318.50.7083333333—1571566.3343391.16032259.2311131.9300043391.161539307.1
2002043-05-312043-06-308.50.7083333333—1539307.143391.16032487.7310903.4300043391.161506819.37
2012043-06-302043-07-318.50.7083333333—1506819.3743391.16032717.8610673.300043391.161474101.51
2022043-07-312043-08-318.50.7083333333—1474101.5143391.16032949.6110441.5500043391.161441151.9
2032043-08-312043-09-308.50.7083333333—1441151.943391.1603318310208.1600043391.161407968.9
2042043-09-302043-10-318.50.7083333333—1407968.943391.16033418.059973.1100043391.161374550.85
2052043-10-312043-11-308.50.7083333333—1374550.8543391.16033654.769736.400043391.161340896.09
2062043-11-302043-12-318.50.7083333333—1340896.0943391.16033893.159498.0100043391.161307002.94
2072043-12-312044-01-318.50.7083333333—1307002.9443391.16034133.229257.9400043391.161272869.72
2082044-01-312044-02-298.50.7083333333—1272869.7243391.160343759016.1600043391.161238494.72
2092044-02-292044-03-318.50.7083333333—1238494.7243391.16034618.498772.6700043391.161203876.23
2102044-03-312044-04-308.50.7083333333—1203876.2343391.16034863.78527.4600043391.161169012.53
2112044-04-302044-05-318.50.7083333333—1169012.5343391.16035110.658280.5100043391.161133901.88
2122044-05-312044-06-308.50.7083333333—1133901.8843391.16035359.368031.800043391.161098542.52
2132044-06-302044-07-318.50.7083333333—1098542.5243391.16035609.827781.3400043391.161062932.7
2142044-07-312044-08-318.50.7083333333—1062932.743391.16035862.057529.1100043391.161027070.65
2152044-08-312044-09-308.50.7083333333—1027070.6543391.16036116.087275.0800043391.16990954.57
2162044-09-302044-10-318.50.7083333333—990954.5743391.16036371.97019.2600043391.16954582.67
2172044-10-312044-11-308.50.7083333333—954582.6743391.16036629.536761.6300043391.16917953.14
2182044-11-302044-12-318.50.7083333333—917953.1443391.16036888.996502.1700043391.16881064.15
2192044-12-312045-01-318.50.7083333333—881064.1543391.16037150.296240.8700043391.16843913.86
2202045-01-312045-02-288.50.7083333333—843913.8643391.16037413.445977.7200043391.16806500.42
2212045-02-282045-03-318.50.7083333333—806500.4243391.16037678.455712.7100043391.16768821.97
2222045-03-312045-04-308.50.7083333333—768821.9743391.16037945.345445.8200043391.16730876.63
2232045-04-302045-05-318.50.7083333333—730876.6343391.16038214.125177.0400043391.16692662.51
2242045-05-312045-06-308.50.7083333333—692662.5143391.16038484.84906.3600043391.16654177.71
2252045-06-302045-07-318.50.7083333333—654177.7143391.16038757.44633.7600043391.16615420.31
2262045-07-312045-08-318.50.7083333333—615420.3143391.16039031.934359.2300043391.16576388.38
2272045-08-312045-09-308.50.7083333333—576388.3843391.16039308.414082.7500043391.16537079.97
2282045-09-302045-10-318.50.7083333333—537079.9743391.16039586.843804.3200043391.16497493.13
2292045-10-312045-11-308.50.7083333333—497493.1343391.16039867.253523.9100043391.16457625.88
2302045-11-302045-12-318.50.7083333333—457625.8843391.16040149.643241.5200043391.16417476.24
2312045-12-312046-01-318.50.7083333333—417476.2443391.16040434.042957.1200043391.16377042.2
2322046-01-312046-02-288.50.7083333333—377042.243391.16040720.442670.7200043391.16336321.76
2332046-02-282046-03-318.50.7083333333—336321.7643391.16041008.882382.2800043391.16295312.88
2342046-03-312046-04-308.50.7083333333—295312.8843391.16041299.362091.800043391.16254013.52
2352046-04-302046-05-318.50.7083333333—254013.5243391.16041591.91799.2600043391.16212421.62
2362046-05-312046-06-308.50.7083333333—212421.6243391.16041886.511504.6500043391.16170535.11
2372046-06-302046-07-318.50.7083333333—170535.1143391.16042183.21207.9600043391.16128351.91
2382046-07-312046-08-318.50.7083333333—128351.9143391.16042482909.1600043391.1685869.91
2392046-08-312046-09-308.50.7083333333—85869.9143391.16042782.91608.2500043391.1643087
2402046-09-302046-10-318.50.7083333333—4308743392.2043087305.200043392.20

Repayments fall on monthly anniversaries of the start date, clamped at month end. Interest accrues from period start up to, but excluding, payment day. Dated resets split that period’s interest; monthly accrual prorates a mid-period reset by calendar days. Amounts round to ₹0.01 per period. Unpaid interest is never capitalized. Extra principal is paid after the scheduled payment on its due date. Origination charges, insurance, partial disbursements, capitalized moratoria and lender-specific rebate rules such as Rule of 78 are not included.

EVERY TASK HAS ITS TOOL

Keep exploring.

51 / 51 tools
Finance01

EMI calculator ↗

Build monthly schedules for flat or reducing interest, fixed or floating rates, EMI, equal-principal and balloon repayments.

FREE TO USE OPEN TOOL ↗
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Loan prepayment planner ↗

Compare extra payments across flat, reducing and floating loan scenarios, including fees, rebate rules and payoff dates.

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SIP calculator ↗

Project monthly investments with monthly compounding and optional annual step up.

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SWP calculator ↗

Model monthly withdrawals, remaining balance, and depletion.

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Image converter ↗

Convert JPG/JPEG, PNG and WebP images, resize, compress, and remove metadata in your browser.

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Images06

Free image upscaler ↗

Enlarge images 2× or 4× in your browser with high-quality interpolation.

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Documents07

PDF editor ↗

Merge, split, reorder, rotate, delete pages, and export PDFs in your browser.

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JSON formatter ↗

Validate and format JSON locally.

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Developer09

Base64 converter ↗

Encode or decode UTF-8 text with Base64 locally.

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Images10

Image resizer ↗

Change image width while preserving its aspect ratio.

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Images11

Image compressor ↗

Choose JPG/JPEG or WebP output quality and compare downloaded file sizes.

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Images12

Image metadata remover ↗

Re-encode photo pixels to remove ordinary EXIF, GPS and camera metadata.

FREE TO USE OPEN TOOL ↗
Images13

Image rotator ↗

Rotate a photo 90, 180 or 270 degrees without uploading it.

FREE TO USE OPEN TOOL ↗
Images14

Image cropper ↗

Crop a rectangular region with a percentage-based preview.

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Images15

Image filters ↗

Apply photo filter presets and adjust brightness, contrast and saturation locally. Preview and download JPG/JPEG, PNG or WebP results.

FREE TO USE OPEN TOOL ↗
Images16

Image to grayscale ↗

Convert photos into grayscale in your browser.

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Images17

Free Gemini watermark remover ↗

Remove the standard visible Gemini sparkle from original images using reverse alpha blending.

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Images18

Free watermark cleanup ↗

Replace a visible watermark area with a matching nearby patch, with feathered edges.

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Documents19

PDF to JPG / JPEG ↗

Render every PDF page as a JPG/JPEG image and download the results as a ZIP.

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Documents20

Extract PDF text ↗

Extract a PDF’s existing text layer into a downloadable text file.

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Documents21

Images to PDF ↗

Arrange images into one A4 PDF, one photo per page.

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Developer22

QR code generator ↗

Create a downloadable QR code from text or a URL, locally.

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Percentage calculator ↗

Find a percentage, percentage change, or the percentage one value represents of another.

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Math24

Percentage change ↗

Compare the absolute and percentage change between two values.

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Finance25

Compound interest calculator ↗

Calculate compound growth with an explicit compounding frequency.

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Finance26

Lumpsum investment calculator ↗

Project an investment using an effective annual return.

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Finance27

Simple interest calculator ↗

Calculate simple interest and maturity value.

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Finance28

CAGR calculator ↗

Find the annualized growth rate between a positive starting and ending value.

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ROI calculator ↗

Measure return on investment including additional costs.

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Finance30

Inflation calculator ↗

Estimate future cost and purchasing power at an assumed annual inflation rate.

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Savings goal calculator ↗

Calculate end-of-month contributions needed for a future target.

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Fixed deposit calculator ↗

Estimate a cumulative fixed deposit using quarterly compounding.

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Converters33

Unit converter ↗

Convert length, weight, area, volume, speed, and temperature units.

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Estimate trip fuel and cost from distance, mileage, and fuel price.

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Electricity cost calculator ↗

Estimate appliance energy use and cost with a flat unit tariff.

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Dates36

Date difference calculator ↗

Find the number of calendar days between two dates.

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Developer37

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Convert Unix seconds or milliseconds into an ISO UTC timestamp.

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Developer38

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Encode or decode a URL component using percent encoding.

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Developer39

JSON minifier ↗

Validate and compact JSON by removing formatting whitespace.

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Developer40

CSV to JSON ↗

Parse quoted CSV with a header row into a JSON array.

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Developer41

JSON to CSV ↗

Convert a JSON array of flat objects into quoted CSV.

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Developer42

JWT inspector ↗

Inspect the header and payload of a JWT without verifying its signature.

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Developer43

UUID generator ↗

Generate cryptographically random UUID v4 identifiers.

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Privacy44

Password generator ↗

Generate a password with cryptographically secure randomness.

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Developer45

SHA-256 hash ↗

Compute a SHA-256 digest of UTF-8 text.

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Text46

Word and character counter ↗

Count Unicode characters, words, lines and UTF-8 bytes.

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Text47

Text case converter ↗

Convert text to uppercase, lowercase, title case or sentence case.

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Text48

URL slug generator ↗

Turn text into a readable URL slug.

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Text49

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Remove duplicate text lines while preserving their first occurrence.

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Text50

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Sort text lines with numeric-aware natural ordering.

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TOOL GUIDE / INSTRUCTIONS & ASSUMPTIONS

Using emi calculator

Choose flat or reducing-balance interest, then fixed or floating rates. For monthly reducing EMI, payment = P × r ÷ (1 − (1 + r)^−n), with r = annual nominal rate ÷ 1200. Flat interest uses original principal; reducing interest uses outstanding principal. Equal-principal and interest-only/balloon structures are also available. Select monthly or actual-day accrual and review every payment date, applied annual rate and period interest.

  1. Enter the values or text you want to work with.
  2. Review the settings and run the tool.
  3. Review the results and adjust the inputs to compare another scenario.

Frequently asked questions

Can I use emi calculator for free?

Yes. This tool is free, with no account required.

Where does processing happen?

The interactive tool runs in your browser. File inputs stay on your device. Developers can separately call the documented API for supported text and calculation tools.

What should I check before using the result?

Choose flat or reducing-balance interest, then fixed or floating rates. For monthly reducing EMI, payment = P × r ÷ (1 − (1 + r)^−n), with r = annual nominal rate ÷ 1200. Flat interest uses original principal; reducing interest uses outstanding principal. Equal-principal and interest-only/balloon structures are also available. Select monthly or actual-day accrual and review every payment date, applied annual rate and period interest.

Financial projections are educational estimates. For investor education, see SEBI’s calculator collection. Loan contract terms and actual rate resets can change a lender’s schedule.

Explore all finance tools ↗

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Loan prepayment plannerSIP calculatorSWP calculatorCompound interest calculatorLumpsum investment calculatorSimple interest calculator