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Country-specific tax, salary, EMI, and conversion tools with accessible, Material-inspired UI.

EMI

EMI and loan planning

Plan home, car, and personal loans with amortization tables, prepayment scenarios, and clear monthly schedules.

EMI planner

Loan details

Month count starts at 1 when the loan begins. Example: if the loan starts Dec 2015 and you prepay in Nov 2026, set month to 131 and enter that lump sum amount.

Calculated instantly; no data stored.

Monthly EMI

$21,696

Base payment (before extra)

Payoff timeline

17 yrs 10 mo

Base: 20 yrs

Interest saved with prepayment

$427,457

26 months saved

Breakdown

Total payable (base)

$5,206,939

Total interest (base)

$2,706,939

Total payable with extra

$4,779,482

Total interest with extra

$2,279,482

Amortization preview

MonthPrincipalInterestBalance
1$3,987$17,708$2,496,013
2$4,015$17,680$2,491,997
3$4,044$17,652$2,487,953
4$4,073$17,623$2,483,881
5$4,101$17,594$2,479,779
6$4,130$17,565$2,475,649

Preview shows the first six months of the current schedule (including any extra payments).

Yearly schedule

YearPrincipalInterestTotal paidEnding balanceMonths
1$49,756$210,591$260,347$2,450,244
MonthPrincipalInterestTotal paidLumpBalance
1$3,987$17,708$21,696-$2,496,013
2$4,015$17,680$21,696-$2,491,997
3$4,044$17,652$21,696-$2,487,953
4$4,073$17,623$21,696-$2,483,881
5$4,101$17,594$21,696-$2,479,779
6$4,130$17,565$21,696-$2,475,649
7$4,160$17,536$21,696-$2,471,489
8$4,189$17,506$21,696-$2,467,300
9$4,219$17,477$21,696-$2,463,081
10$4,249$17,447$21,696-$2,458,832
11$4,279$17,417$21,696-$2,454,553
12$4,309$17,386$21,696-$2,450,244
2$54,154$206,193$260,347$2,396,091
3$208,940$201,407$410,347$2,187,150
4$77,409$182,938$260,347$2,109,741
5$84,251$176,096$260,347$2,025,490
6$91,698$168,649$260,347$1,933,792
7$99,803$160,544$260,347$1,833,989
8$108,625$151,722$260,347$1,725,364
9$118,227$142,120$260,347$1,607,137
10$128,677$131,670$260,347$1,478,461
11$140,051$120,296$260,347$1,338,410
12$152,430$107,917$260,347$1,185,981
13$165,903$94,444$260,347$1,020,077
14$180,567$79,780$260,347$839,510
15$196,528$63,819$260,347$642,982
16$213,899$46,448$260,347$429,083
17$232,806$27,541$260,347$196,277
18$196,277$7,307$203,584$0

Assumptions

EMI is based on a fixed rate with payments at the start of each month. Extra monthly and one-time payments reduce the outstanding balance and shorten the tenure; the final month payment may be smaller when the balance closes.

How to read these results

The base EMI assumes a fixed interest rate for the full tenure. Adding an extra monthly payment applies directly to principal, reducing interest and shortening the schedule. The preview table shows the first six months of the base plan to help you validate inputs.