Loan EMI & Amortisation Calculator
Calculate the monthly instalment (EMI), total interest and full amortisation schedule for a loan, and download the schedule as CSV.
Runs on your device
Result
Results appear here after you select “Calculate”.
What it does
EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1), where r is the monthly rate. The schedule shows how each payment splits between interest and principal over time.
How to use it
- Enter the loan amount, annual interest rate and term.
- Calculate.
- Review or download the schedule.
Example
100,000 at 12% for 12 months: EMI ≈ 8,884.88. Select Try an example above to see it.
When it helps
- Comparing car and home financing offers.
- Business equipment loans.
- Understanding how much interest you pay.
Questions
Does this include fees or insurance?
No. Lenders may add processing fees, insurance or taxes. Ask for the APR to compare offers fairly.
Is Islamic financing calculated the same way?
Murabaha and diminishing Musharaka are structured differently in contract terms, but instalments are often computed on a similar profit rate basis. Confirm with the provider.
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