Calculate EMI, total interest, amortization schedule, prepayment impact, and flat-rate comparison.
Run the calculator to see EMI and repayment breakdown.
This tool calculates EMI using reducing-balance math, then produces a month-by-month amortization schedule so you can see principal vs interest split over time. It also models prepayments, disbursal after fees, and optional flat-rate comparison for side-by-side cost understanding.
EMI Formula
Calculates fixed monthly EMI from loan amount, rate, and tenure.
Amortization View
Shows how interest dominates early installments and principal rises later.
Prepayment Impact
Estimates months and interest saved by recurring or one-time prepayments.
Flat vs Reducing
Optional flat-rate comparison to avoid mispricing borrowing decisions.