EMI Calculator
Calculate your EMI for home, car, or personal loans. See the interest you’ll pay, visualise the principal-interest split, and model pre-payment scenarios for home loans — all with formulas you can verify.
How the math works. EMI = [P × r × (1+r)n] / [(1+r)n − 1], where P is the principal, r is the monthly interest rate (annual ÷ 12 ÷ 100), and n is the number of months. Pre-payment calculations simulate month-by-month amortisation, applying extra payments to reduce the outstanding principal and recomputing the total interest payable. All figures are indicative and exclude processing fees, GST, and insurance. Always confirm with your lender.
Bonus tool: Rate-change impact simulator
Your floating-rate home or car loan changed mid-tenure? Enter the original loan, when the rate changed, and the new rate. See exactly what the change does to your EMI and total interest over the remaining tenure.