Loans
EMI Calculator
Home, car or personal loan — your monthly instalment.
Monthly EMI
₹44.99K
Principal₹50L
Interest₹57.97L
Total₹1.08Cr
A ₹50,00,000 loan at 9% over 20 years costs ₹44,986/month — ₹57,96,711 of it is interest.
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Frequently asked
How is EMI calculated?
EMI = P·i·(1+i)^n ÷ ((1+i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Arthly uses the reducing-balance method banks use.
Is the EMI Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the EMI Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.