Calculate EMI with prepayment planner, full repayment schedule and charts.
Adjust settings to match exactly what you need
Files are never uploaded to a server — processed in your browser
No limits, no payment, ever
Home, car, personal or education — sensible defaults are filled in.
Type or use the sliders.
Open the prepayment planner to see interest saved and months cut.
Download a PDF report or share the result.
EMI Calculator works out your monthly instalment for a home, car, personal or education loan, and shows exactly how much prepaying saves.
Open the prepayment planner and add an extra monthly amount or a one-time payment. The calculator shows the interest saved and how many months earlier the loan ends.
Yes, completely free with no sign-up required and no limit on how many times you can use it.
No. All calculations happen instantly in your browser — nothing is sent to any server.
EMI is calculated using the formula EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly interest rate, and n is number of monthly instalments.