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EMI Calculator

Calculate your Equated Monthly Installment (EMI) for home loans, car loans, or personal loans instantly.

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How is EMI calculated?

Equated Monthly Installment (EMI) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. Equated monthly installments are applied to both interest and principal each month so that over a specified number of years, the loan is paid off in full.

EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]
  • P = Principal loan amount
  • R = Monthly interest rate (Annual Rate / 12 / 100)
  • N = Loan tenure in months