Free online finance tool
A premium EMI (Equated Monthly Installment) calculator designed to help you analyze home, car, or personal loans. See your complete repayment lifecycle broken down year-by-year with an interactive breakdown chart and schedule.
Plan your home loans, car loans, and see your yearly repayment metrics.
Monthly Repayment
₹10,258
Principal Amount
₹5,00,000
Interest Payable
₹1,15,496
Total Cost of Loan
₹6,15,496
| Year | Principal Paid | Interest Paid | Total Payment | Balance Amount |
|---|---|---|---|---|
| Year 1 | ₹83,815 | ₹39,285 | ₹1,23,099 | ₹4,16,185 |
| Year 2 | ₹91,223 | ₹31,876 | ₹1,23,099 | ₹3,24,962 |
| Year 3 | ₹99,286 | ₹23,813 | ₹1,23,099 | ₹2,25,676 |
| Year 4 | ₹1,08,062 | ₹15,037 | ₹1,23,099 | ₹1,17,614 |
| Year 5 | ₹1,17,614 | ₹5,485 | ₹1,23,099 | ₹0 |
An EMI is calculated based on the reducing balance method. The formula applied is:EMI = [P x R x (1+R)^N] / [(1+R)^N - 1]Where:
• P: Principal Loan Amount.
• R: Monthly Interest Rate (Annual Rate / 12 / 100).
• N: Number of Monthly Installments.
This calculator assumes the interest rate remains constant throughout the tenure. Check your amortization schedule to see how more of your payments go toward principal as the loan matures.
Calculate monthly loan repayments, total interest, and view a detailed amortization schedule. Yuitility keeps the workflow fast and focused, so you can complete the job without creating an account.
Yes. Yuitility provides the EMI Calculator as a free browser-based tool with no account required.
Your inputs are handled in your browser for the tool experience. Files and data are not sent to a Yuitility processing server.
Open the tool, follow the on-screen controls, and use the live result or download action when it is ready.
