EMI Calculator with Amortization Schedule – Free & Private
This free EMI calculator works out your monthly loan payment, total interest, and full amortization schedule in seconds. Enter the loan amount, rate, and term, choose a payment frequency, and see a clear breakdown with a chart. Export the schedule to CSV to plan your budget with confidence.
What Is an EMI Calculator?
An EMI calculator is an online tool that estimates your Equated Monthly Instalment, the fixed amount you repay a lender each period until a loan is cleared. Each payment covers part principal and part interest. The calculator applies the standard amortization formula, so you can see exactly how much a car, home, or personal loan will cost.
How to Use This EMI Calculator?
Enter your loan amount, annual interest rate, and loan period in years, adding extra months if needed. Pick how often you pay, from weekly to annually, and set a start date. Click Calculate Loan to view your scheduled payment, total interest, a breakdown chart, and a payment-by-payment schedule you can export to CSV.
Why Use Our EMI Calculator?
Our calculator is completely free, needs no signup, and runs entirely in your browser, so your loan figures stay private on your device. Results appear instantly, with a clear chart, a full amortization table, and flexible payment frequencies. It works on phones, tablets, and desktops, making loan planning quick and simple.
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Frequently Asked Questions
Is this EMI calculator free?
Yes, it is completely free, with no limit on how many calculations you can run.
Does it work offline?
It needs a connection to load the page and chart library, but all calculations then run locally in your browser.
Is my data safe?
Yes. Every calculation happens in your browser, and no loan details are sent to or stored on our servers.
Do I need to create an account?
No account or signup is required. Open the page and start calculating right away.