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월 할부금 계산기 (EMI)

대출 월 상환액 계산

브라우저에서 실행 · 업로드 없음

이 도구와 페이지의 안내는 현재 영어로만 제공됩니다. 동작은 똑같으며, 모든 처리는 브라우저에서 이루어집니다.

– EMI (monthly payment)
  • 아무것도 기기 밖으로 나가지 않음
  • 서버의 파일 크기 제한 없음
  • 가입 불필요, 워터마크 없음
  • 무료

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.

자주 묻는 질문

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.