EMI Calculator India — Home, Car & Personal Loan

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How it works

EMI Calculator in 3 Steps

Adjust the sliders or inputs on the left. Results update in real-time.

Maturity value, gain, and key metrics show in the dark panel on the right.

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Frequently Asked

How is EMI calculated?

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly interest rate, n is number of months.

What is a good home loan rate in 2026?

8.4–9.2% for salaried borrowers with CIBIL above 750. PSU banks typically 10–20 bps cheaper than private.

Should I prepay my home loan or invest the surplus?

If post-tax MF return > post-tax-benefit loan rate, invest. Otherwise prepay.

Does prepayment reduce tenure or EMI?

You choose. Reducing tenure saves more interest. Reducing EMI improves monthly cash flow.

A calculator is the start. Our advisor turns these numbers into a tailored product pick, tax angle, and review cadence — free.