Many times people are in need of this. Be it home loan or personal loan or vehicle loan, the calculation of EMI is the same.
This calculator works for any of these loans with a monthly paid EMI and month reducing balance. Just key in the details and enjoy.
This calculator works for any of these loans with a monthly paid EMI and month reducing balance. Just key in the details and enjoy.
Loan amount |
Rate of interest (% p.a) |
Tenure (in months) |
The calculated EMI is |
One step further, if you need to calculate the EMI in your own application/webpage you can use this formula,
EMI = ceil(PR(R+1)n / ((R+1)n -1))
where,
P ==> Loan amount (principal)
n ==> tenure in months
R ==> rate of interest per month (to avoid cluttering of formula, it is assumed to have been divided by 100. ie., for 12% p.a interest rate, it is 1% per month, so I is 0.01)
ceil(x) ==> smallest integer that is >= x e.g, ceil(1.5) = 2; ceil(2.1) = 3; ceil(2) = 2;
Note: I'm sure there are other websites that help you in calculating this, but this EMI calculator uses my "own" formula to calculate the EMI (don't get scared, it works :D). I will soon post a proof of my derivation of the formula.
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