贷款计算器
计算任何贷款的每月还款额、总利息和还款计划
Total Principal
$100,000
Total Interest
$108,278
Total Payable
$208,278
Monthly EMI
Savings Tip
Increasing your monthly payment by just 10% could save you thousands in interest and reduce your loan term by years.
Loan & EMI Calculator
Calculate your monthly EMI (Equated Monthly Installment), total payment, and total interest for any loan. Compare different loan amounts, interest rates, and tenures.
FAQ
How is EMI calculated?
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]. Where P = principal, R = monthly interest rate, N = number of months.
What is the difference between flat rate and reducing balance?
Flat rate charges interest on the full principal throughout the loan. Reducing balance charges interest only on the outstanding principal — this is more common and cheaper for borrowers.
Should I choose a shorter or longer loan term?
Shorter terms have higher EMI but lower total interest. Longer terms have lower EMI but you pay much more interest overall. Choose based on your cash flow needs.
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