Monthly EMI
–
–Principal
–Total interest
–Total payment
🔵 Principal 🟠 Interest
Amortization schedule
Click a year to see its months.
EMI formula
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of monthly instalments.
How to lower your EMI
- Choose a longer tenure (you pay more interest overall)
- Make a larger down payment to reduce the principal
- Prepay part of the loan when you can — it cuts the interest sharply in early years
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