Loan / EMI Calculator
Calculate your monthly loan payment (EMI), total amount paid, and total interest from the principal, annual interest rate, and loan term. Free and private, right in your browser.
| Monthly payment | |
|---|---|
| Total paid | |
| Total interest |
Enter a loan amount, interest rate, and term to instantly see your monthly EMI, total interest paid, and total repayment, handy for comparing mortgage offers, car loans, or personal loan quotes before you sign anything.
How to use it
- Enter the loan amount, annual interest rate, and loan term
- Review the calculated monthly EMI and total interest instantly
- Adjust any value to compare different loan scenarios side by side
Frequently asked questions
- How is the monthly payment calculated?
- It uses the standard amortization formula based on your loan amount, annual interest rate, and term length, giving the fixed payment that pays off principal and interest by the end of the term.
- Does it show how much of each payment goes to interest vs. principal?
- Yes. Alongside the monthly EMI and total interest, you can see the split shift over time as more of each payment goes toward principal in later months.
- Can I use this for a mortgage, car loan, or personal loan?
- Yes, the math is the same for any fixed-rate, fixed-term loan, just enter the principal, rate, and term that match your mortgage, auto loan, student loan, or personal loan.
- 1
Nothing is uploaded
The file never leaves your device. There is no server to send it to, so there is nothing to leak, log, or subpoena.
- 2
No signup, no limits
No account, no email, no daily cap, no watermark, and no paid tier waiting behind the third file.
- 3
Works offline
Load the page once and it keeps working with the network off, because all the work was always happening locally.