EMI Calculator

Free online EMI & loan calculator with monthly payment schedule, amortization schedule, CSV/PDF export, balance chart, and principal & interest breakdown.

Loan Amount

₹

1L 5Cr

Annual Interest Rate

1% 30%

Tenure

YRS years

1y 30y

Monthly EMI

—

Total Interest

—

Total Payment

—

Principal + Interest

Principal

—

Loan amount

Repayment Schedule

—

Rows

Month	EMI	Interest	Principal	Balance

Reducing balance · monthly compounding

Yearly Breakdown

Principal

Interest

Total Payment Split

—

Principal

—

Total Interest

—

Month	EMI	Interest	Principal	Balance

Common Questions

Does this use reducing balance method?

Yes. EMI and every row in the schedule use the standard reducing-balance amortization formula — the same method banks use.

Can I use this for home, car, or personal loans?

Yes — any fixed-rate reducing-balance loan works. Just enter the correct principal, annual rate, and tenure.

How do I export the full schedule?

Use CSV for a spreadsheet-ready file, or PDF for a formatted printable document — both include all amortization rows and your loan details.

Reducing Balance CSV Export PDF Export Home · Car · Personal Loans