Free EMI Calculator
Free EMI Calculator
Calculate your monthly loan EMI, total interest and repayment breakdown in seconds. Adjust the loan amount, interest rate and tenure to see results instantly.
- Principal
- ₹10,00,000
- Total Interest
- ₹10,82,776
- Total Payment
- ₹20,82,776
Monthly EMI
₹8,678
- Principal48%
- Interest52%
Want the full guide, formula and worked example? Open the detailed EMI calculator →
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Why use our EMI calculator
Instant, accurate results
Every figure updates the moment you move a slider — using the same reducing-balance formula banks use.
Clear visual breakdown
See exactly how much of your repayment is principal versus interest with a simple breakdown chart.
Free and private
No sign-up, no fees, and nothing leaves your browser. Run as many calculations as you like.
Built for mobile
Large touch-friendly controls and a fast, lightweight page that works anywhere.
Frequently asked questions
What is an EMI calculator?
An EMI calculator is a free online tool that works out your fixed monthly loan instalment from the loan amount, interest rate and tenure, along with the total interest and total amount payable.
Which loans can I use this for?
The EMI calculator works for any reducing-balance loan — home loans, personal loans, car loans, education loans and more. Dedicated versions for each are on the way.
Is the calculator free?
Yes. Every calculator on freeemicalculator.com is completely free, needs no sign-up, and runs instantly in your browser.