What it asks for
- Loan amount
- Annual interest rate
- Tenure in months or years
Calculator
EMI calculator
Computes the monthly instalment on a loan and shows how much of each payment goes to interest and principal over the term.
Break a loan into instalment, interest and principal
Rates applied are those in force for FY 2025-26 (AY 2026-27). Results are indicative and depend entirely on what you enter.
Use the rate your lender has quoted.
A longer tenure lowers the instalment and raises the total interest.
Enter a loan amount
The instalment, the total interest and a year-by-year split appear here.
What this calculator does
What it returns
- Monthly instalment
- Total interest payable over the term
- Year-wise split of principal and interest
Where it stops
For a home loan, the principal and interest split matters for your tax position as well as your cash flow — the deductions available depend on which regime you are in.
Want the number checked against your actual position?
A consultation gives you the figure computed on your real documents, not on estimates — and tells you what to do about it. It is free and there is no obligation afterwards.
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