Loan / EMI calculator

Estimate the monthly payment on a fixed-rate loan.

The number that actually decides whether a loan is affordable is the monthly payment, not the headline rate. Enter the amount, the annual interest rate, and the term, and this gives you the monthly instalment on a fixed-rate loan — the standard EMI calculation.

How Loan / EMI calculator works

  1. Enter or paste your text or values.
  2. It's processed instantly on your device as you type.
  3. Copy or download the result.

Good to know: This assumes a fixed rate and equal monthly payments. It doesn't model processing fees, insurance bundled into the loan, prepayment, or a variable/floating rate — so treat it as a solid estimate for comparing offers, not as a quote from a lender.

Common questions

Does this include fees and charges?

No — it's the pure principal-and-interest instalment. Real-world loans often add processing fees or insurance, so the amount actually leaving your account can be higher than this figure.