Tools
Loan EMI calculator.
Calculate the monthly instalment on a home, car or personal loan, the total interest you will pay, and what those fixed repayments are really worth once inflation is accounted for.
Loan EMI Calculator
Work out your monthly instalment and the true cost of borrowing, before and after inflation.
Monthly EMI
₹43,391
Total interest
₹54,13,879
Total payment
₹1,04,13,879
Repayment in today's money
₹60,56,572
Inflation erodes the real weight of fixed EMIs — at 6% p.a. your repayments are worth ₹60,56,572 in today's money.
How your EMI is calculated
The EMI is derived from the loan amount, the monthly interest rate and the number of instalments using the standard amortisation formula. Early instalments are mostly interest; principal repayment accelerates later. Because the EMI is fixed in rupee terms, inflation quietly reduces its real burden each year — we show that discounted total so you can compare borrowing against investing.
Should you prepay, or invest instead?
We weigh your loan cost against expected portfolio returns and tax impact before you decide.