Loan & EMI calculator
Find your monthly payment, total interest and a yearly breakdown, right in your browser.
Yearly breakdown
Files are processed in your browser and never uploaded.
How to use Loan & EMI calculator
Enter your figures
Fill in Loan amount, Annual interest % and Term. Values you change are used straight away, with no submit button.
Read the results
The totals and the breakdown below them update as soon as a value changes.
Start over any time
Nothing is saved on a server, so reloading the page clears everything.
What this tool does
Monthly payment (EMI)
The monthly payment is the standard EMI calculation, so the figure matches what a bank would quote for the same three inputs.
Total interest and total cost
Total interest and total cost are shown next to the payment, which is the part that turns a cheap-looking monthly figure into a real decision.
Term in years or months
The term can be entered in years or in months, so a 30-month loan does not have to be converted first.
Yearly amortization breakdown
The yearly breakdown shows how much of each year goes to principal and how much to interest, and how the balance falls.
Private, works offline
Nothing you enter is uploaded. The calculation runs in your browser and the page works with no connection.
Frequently asked questions
How is the monthly payment calculated?
It uses the standard reducing-balance EMI formula, where each payment covers the interest on the remaining balance plus part of the principal, so the balance falls to zero over the term.
Is my financial data uploaded?
No. Everything is calculated in your browser with nothing uploaded, so your figures stay private.
Does it include fees or insurance?
No. It calculates principal and interest only. Real loans may add processing fees, insurance or taxes, so treat the result as an estimate and check your lender's figures.
Can I enter the term in months?
Yes. Switch between years and months, and the number of payments updates accordingly.
What does the yearly breakdown show?
For each year it shows how much went to principal, how much to interest, and the remaining balance, so you can see how the loan reduces over time.
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