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Monatsraten-Rechner (EMI)

Die Monatsrate eines Kredits berechnen

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– EMI (monthly payment)
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How to calculate your EMI

  1. Enter the loan amount, the interest rate per year and the tenure in years or months.
  2. Read the EMI, the total interest and the total amount payable.
  3. Open the schedule by month, or download it as a CSV file for Excel.

The EMI formula

EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where P is the loan amount, r the monthly interest rate (yearly rate ÷ 12 ÷ 100) and n the number of months. For example, ₹10,00,000 at 8.5% for 20 years is an EMI of ₹8,678.23.

Prepaying a loan

Paying a little extra each month cuts the principal faster and saves interest. Enter an amount under "Extra payment each month" to see how much sooner the loan closes. Check first whether your lender charges for prepayment.

Häufige Fragen

Does the EMI include processing fees or insurance?

No. It covers principal and interest only. Processing fees, insurance and GST on fees are usually paid separately.

Why does my bank quote a slightly different EMI?

Banks sometimes round differently or start interest from the disbursal date rather than a full month. The difference is usually a few rupees.

Is anything sent anywhere?

No. The calculation happens in your browser, and your loan details never leaves your device.