Calculate the monthly EMI, total interest and full amortization schedule for a home, car, bike, personal, education, business or gold loan — with charts, fees, prepayment savings, loan comparison and CSV / Excel / PDF export.
Presets for home, car, bike, personal, education, business and gold loans set sensible amounts, rates and tenures to start from.
Drag a slider or type an exact figure — amount, rate and a flexible tenure in years and months stay in sync.
See every payment split into principal and interest, grouped by year and expandable to each EMI, with real dates.
A principal-vs-interest donut and an outstanding-balance graph show where your money goes at a glance.
Add down payment, processing fee, GST and insurance to see the true total cost of the loan, not just the EMI.
Add an extra amount to every EMI or a one-time lump sum and instantly see the interest saved and tenure cut.
Calculate monthly, quarterly, half-yearly or yearly instalments, and choose your currency.
Save several scenarios side by side and compare EMI, total interest and total cost before you decide.
Download the schedule as CSV or Excel, print a clean PDF report, or share a link that reopens your exact inputs.
Everything is calculated in your browser. Nothing is uploaded, stored or shared — no account, no server.
The ApneSoftware EMI Calculator is a complete, professional-grade loan planning tool that runs entirely in your browser. An EMI, or Equated Monthly Installment, is the fixed amount you pay every month towards a loan until both the principal and the interest are fully cleared. Whether you are buying a home, a car or a bike, funding an education, growing a business, or borrowing against gold, knowing your EMI — and the true cost of the loan — before you sign anything is one of the smartest financial habits you can build. This calculator uses the standard reducing-balance EMI formula that banks and NBFCs across India use, so the figure you see closely matches what a lender will quote, and it goes far beyond a single number: it shows the full amortization schedule, the split between principal and interest, the effect of fees, and the savings from prepaying.
At its simplest, the tool takes three inputs — the loan amount (principal), the annual interest rate, and the tenure — and instantly returns your monthly EMI, the total interest paid over the life of the loan, and the total amount repaid. Every input has both a slider and a precise number field, so you can either drag to explore or type an exact figure, and the tenure accepts years and months together for real-world loan terms. Seeing the total interest next to the principal is often eye-opening: on a long home loan it is common for the interest to approach or even exceed the amount borrowed, which is exactly why the calculator makes it so easy to test different tenures and rates.
Beyond the basics, the calculator behaves like the tools used inside banks. It offers ready loan-type presets — home, car, bike, personal, education, business and gold — that start you at sensible amounts, rates and tenures. It lets you add the real-world costs that a bare EMI hides: a down payment, a processing fee (with GST on that fee), and insurance, so the “Total cost of loan” card reflects what you will actually spend, not just the instalments. You can switch the EMI frequency between monthly, quarterly, half-yearly and yearly for loans that are not billed monthly, choose your currency, and set a loan start date so the schedule shows the real month of each payment and an accurate payoff date.
The heart of a serious loan tool is its amortization schedule, and this calculator builds a full one. It lists, for every single instalment, how much goes to interest and how much reduces the principal, and how the outstanding balance falls over time. Because a month-by-month table can be long, the schedule is grouped by year with a one-line summary you can expand to reveal the individual EMIs beneath it. This makes a subtle but important truth visible: in the early years of a loan most of your EMI is interest and only a little touches the principal, while in the later years the balance falls quickly. Understanding that curve is the key to making good decisions about prepayment and tenure.
Prepayment is where borrowers save the most money, and the calculator models it directly. You can add an extra amount to every EMI, or make a one-time lump-sum payment at a chosen instalment number, and the tool immediately recalculates the schedule and shows you two things that matter: the interest you save and the months you cut off the loan. Because interest on a reducing-balance loan is charged on the outstanding principal, even modest, early prepayments have an outsized effect — a fact that lenders rarely advertise but which this calculator makes plain in rupees and months. For anyone with a home loan, experimenting here can reveal savings worth lakhs over the term.
To help you choose between offers, the calculator includes a comparison feature. After setting up a scenario you can add it to a comparison table and then change the inputs and add another, lining up two or three loans side by side to compare EMI, total interest and total cost on real numbers rather than marketing claims. And because good decisions often need to be shared or kept, the tool lets you export the amortization schedule as a CSV or Excel file, print a clean PDF report through your browser, or generate a share link that encodes your exact inputs so a colleague, partner or advisor opens the very same calculation. Charts — a principal-versus-interest donut and an outstanding-balance graph — turn the numbers into a picture you can grasp instantly.
A word on accuracy and honesty, because a financial tool is only as good as its transparency. This calculator computes the mathematically correct EMI for the inputs you provide, using the same reducing-balance method your lender uses. Small differences from a bank's quote are normal and come from things outside a formula: lenders round the EMI, use exact day-counts rather than equal months, may compound or apply rates slightly differently, and add charges that vary by product and profile. Floating-rate loans change over time, so any calculator's figure for them is a snapshot at today's rate. The tool is upfront about all of this: it is built to give you an accurate, unbiased estimate for planning and comparison, not to replace the sanctioned figure on your loan agreement. Used that way — to understand, compare and plan — it is genuinely powerful.
Above all, this calculator is private and free. Every calculation, chart, schedule and export happens entirely on your own device; nothing you type is uploaded to a server, stored, or shared, and no account or email is required. After the page loads you can even use it offline. This matters for a financial tool, because loan planning involves personal numbers — your income, your borrowing, your savings goals — that you should not have to hand to a website to get a straight answer. Here you never do. Whether you are a first-time borrower trying to understand what you can afford, an existing borrower weighing a prepayment, or simply someone comparing two offers before a big decision, the ApneSoftware EMI Calculator gives you bank-grade numbers, a full schedule, clear charts and honest guidance — instantly, privately and at no cost.
ApneSoftware EMI Calculator एक पूर्ण, पेशेवर‑स्तर का लोन प्लानिंग टूल है जो पूरी तरह आपके ब्राउज़र में चलता है। EMI यानी Equated Monthly Installment वह तय रकम है जो आप हर महीने अपने लोन के पूरे principal और ब्याज के चुकने तक देते हैं। चाहे घर, कार या बाइक खरीदनी हो, पढ़ाई का खर्च हो, व्यवसाय बढ़ाना हो, या सोने पर लोन लेना हो — कागज़ पर साइन करने से पहले अपनी EMI और लोन की असली लागत जान लेना सबसे समझदारी भरी आदतों में से एक है। यह calculator वही reducing‑balance EMI formula इस्तेमाल करता है जो भारत के बैंक और NBFC उपयोग करते हैं, इसलिए यहाँ दिखने वाला आँकड़ा lender के बताए आँकड़े के करीब होता है — और यह केवल एक संख्या से कहीं आगे जाता है।
सबसे सरल रूप में, टूल तीन इनपुट लेता है — loan amount (principal), वार्षिक ब्याज दर, और tenure — और तुरंत आपकी मासिक EMI, पूरे लोन का कुल ब्याज, और कुल चुकाई गई रकम देता है। हर इनपुट में slider और सटीक number field दोनों हैं, और tenure सालों व महीनों दोनों में लिया जा सकता है। Principal के बगल में कुल ब्याज देखना अक्सर चौंकाने वाला होता है: लंबे home loan में कई बार ब्याज मूल रकम के बराबर या उससे ज़्यादा हो जाता है, इसीलिए यह टूल अलग‑अलग tenure और rate आज़माना आसान बनाता है।
बुनियादी बातों से आगे, यह calculator बैंकों के टूल जैसा व्यवहार करता है। इसमें तैयार loan‑type presets हैं — home, car, bike, personal, education, business और gold — जो उचित रकम, rate और tenure से शुरुआत कराते हैं। यह वे असली खर्चे जोड़ने देता है जो सिर्फ़ EMI छिपा देती है: down payment, processing fee (उस पर GST), और insurance — ताकि “Total cost of loan” कार्ड दिखाए कि आप असल में कितना खर्च करेंगे। आप EMI frequency को monthly, quarterly, half‑yearly या yearly कर सकते हैं, currency चुन सकते हैं, और loan start date सेट कर सकते हैं ताकि schedule हर भुगतान का असली महीना और सही payoff तारीख दिखाए।
किसी गंभीर लोन टूल का दिल उसका amortization schedule होता है, और यह calculator पूरा schedule बनाता है। यह हर किस्त के लिए बताता है कि कितना ब्याज में गया और कितने से principal घटा, और समय के साथ बकाया राशि कैसे गिरती है। चूँकि महीने‑दर‑महीने तालिका लंबी हो सकती है, schedule को साल के अनुसार समूहित किया जाता है जिसे खोलकर नीचे की अलग‑अलग EMI देखी जा सकती हैं। इससे एक सूक्ष्म पर महत्वपूर्ण सच दिखता है: लोन के शुरुआती सालों में आपकी अधिकांश EMI ब्याज होती है और principal बहुत कम घटता है, जबकि बाद के सालों में बकाया तेज़ी से गिरता है।
Prepayment में borrower सबसे ज़्यादा पैसा बचाते हैं, और यह calculator इसे सीधे मॉडल करता है। आप हर EMI में अतिरिक्त रकम जोड़ सकते हैं, या किसी चुनी हुई किस्त पर एकमुश्त lump‑sum भुगतान कर सकते हैं, और टूल तुरंत schedule दोबारा गिनकर दो ज़रूरी चीज़ें दिखाता है: बचा हुआ ब्याज और कम हुए महीने। चूँकि reducing‑balance लोन में ब्याज बकाया principal पर लगता है, थोड़ा‑सा जल्दी किया prepayment भी बड़ा असर डालता है — जिसे यह calculator रुपयों और महीनों में साफ़ दिखा देता है।
offers में से चुनने में मदद के लिए, calculator में एक comparison सुविधा है। एक scenario सेट करने के बाद आप उसे comparison तालिका में जोड़ सकते हैं, फिर इनपुट बदलकर दूसरा जोड़ सकते हैं, और दो‑तीन लोन को EMI, कुल ब्याज व कुल लागत पर साथ‑साथ compare कर सकते हैं। और चूँकि अच्छे फैसले अक्सर साझा या सहेजने पड़ते हैं, टूल amortization schedule को CSV या Excel के रूप में export करने देता है, ब्राउज़र से साफ़ PDF रिपोर्ट प्रिंट करने देता है, या एक share link बनाता है जो आपके ठीक वही इनपुट खोल देता है। charts — principal‑बनाम‑interest donut और बकाया‑balance graph — संख्याओं को एक तस्वीर में बदल देते हैं।
सटीकता और ईमानदारी पर एक बात, क्योंकि कोई भी वित्तीय टूल उतना ही अच्छा है जितनी उसकी पारदर्शिता। यह calculator आपके इनपुट के लिए गणितीय रूप से सही EMI गिनता है, वही reducing‑balance तरीका जो आपका lender उपयोग करता है। बैंक के quote से छोटे अंतर सामान्य हैं — lender EMI को round करते हैं, समान महीनों की जगह सटीक day‑count उपयोग करते हैं, दरें थोड़ा अलग लागू कर सकते हैं, और ऐसे charges जोड़ते हैं जो product व profile के अनुसार बदलते हैं। Floating‑rate लोन समय के साथ बदलते हैं, इसलिए उनके लिए किसी भी calculator का आँकड़ा आज की दर का एक स्नैपशॉट है। टूल इन सबके बारे में स्पष्ट है: यह योजना और तुलना के लिए एक सटीक, निष्पक्ष अनुमान देने के लिए बना है।
सबसे बढ़कर, यह calculator निजी और मुफ़्त है। हर गणना, chart, schedule और export पूरी तरह आपके अपने डिवाइस पर होता है; आपकी टाइप की कोई चीज़ सर्वर पर अपलोड, सेव या साझा नहीं होती, और किसी अकाउंट की ज़रूरत नहीं। पेज लोड होने के बाद आप ऑफ़लाइन भी उपयोग कर सकते हैं। यह किसी वित्तीय टूल के लिए मायने रखता है, क्योंकि लोन प्लानिंग में आपकी आय, उधार और बचत जैसी निजी संख्याएँ शामिल होती हैं जिन्हें सीधा उत्तर पाने के लिए किसी वेबसाइट को देना नहीं चाहिए। यहाँ आपको कभी नहीं देना पड़ता।
The EMI is calculated with the standard reducing-balance formula, where P is the principal, r is the periodic interest rate (annual rate ÷ number of instalments per year ÷ 100), and n is the number of instalments:
For a monthly loan, r = annual% ⁄ 12 ⁄ 100 and n = years × 12. If the rate is 0, the EMI is simply P ⁄ n. This is the same reducing-balance method used by banks and NBFCs, where interest each period is charged only on the outstanding principal — which is why your early EMIs are mostly interest and your later EMIs are mostly principal.
An amortization schedule breaks every EMI into two parts. Each period, the interest portion equals the outstanding balance × the periodic rate, and the rest of the EMI — the principal portion — reduces the balance. Because the balance shrinks over time, the interest portion falls and the principal portion grows with every payment, even though the EMI itself stays the same. Early in the loan most of your money is servicing interest; late in the loan almost all of it is repaying principal. The schedule below shows this month by month, grouped by year so it is easy to scan, and a prepayment (extra EMI or lump sum) shortens the schedule by knocking down the balance faster, which cuts the total interest you pay.
Every calculation, chart, amortization schedule and export runs entirely inside your browser in JavaScript. Nothing you enter — loan amounts, rates, income or any other figure — is ever uploaded to a server, stored, or shared. No account, email or signup is required, and once the page has loaded you can use the calculator offline. Loan planning involves personal financial information, and this local-only design means those numbers never leave your device.
Works in all modern browsers — Google Chrome, Mozilla Firefox, Microsoft Edge, Safari, Brave and Opera — on Windows, macOS, Linux, Android and iOS. It uses only standard HTML, CSS and JavaScript, with inline SVG charts and the browser's own print for PDF export. On phones and tablets the layout stacks into a single column, the sliders are touch-friendly and the schedule scrolls horizontally.
The same reducing-balance method applies to every consumer loan, so the calculator works for home loans, car and bike loans, personal loans, education loans, business loans and gold loans, as well as any other fixed-rate instalment loan. The loan-type presets simply set typical starting amounts, rates and tenures; you can override any of them. For floating-rate loans the result is a snapshot at the rate you enter, since the actual rate will change over the term.
This is an estimate for planning, not the sanctioned figure on a loan agreement. It uses equal calendar periods rather than exact day-counts, so it can differ slightly from a lender that computes daily or applies its own rounding. It does not model changing (floating) rates over time, moratorium or step-up EMIs, late-payment penalties, or charges you do not enter. GST is applied only to the processing fee you specify. Prepayment results assume the extra amount reduces the principal immediately and ignore any prepayment penalty your lender may charge. Always confirm the final EMI and total cost with your lender before signing.
EMI shows ₹0 or blank: make sure the loan amount and tenure are greater than zero. Number looks different from my bank's: check you used the same rate basis and tenure, and remember lenders round and add charges. Schedule is empty: a zero tenure or amount produces no instalments — adjust the inputs. Prepayment shows no saving: the extra amount or lump sum may be zero, or the lump-sum instalment number may be beyond the loan term. Excel button does nothing: your browser may have blocked the download — allow downloads for this site and retry, or use CSV. Share link didn't restore values: make sure the whole URL, including everything after the “?”, was copied.