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EMI calculator

EMI & loan repayment calculator for India.

Model your monthly EMI, total interest and the time you can save with a recurring extra payment or a one-time lump sum.

Inputs

Shape your plan

The one-time prepayment is applied in the selected month. Calculations are illustrative; lender rules, taxes and prepayment charges can change the actual outcome.

Your adjusted plan

Less interest. Earlier freedom.

Monthly EMI

₹21,696

scheduled base EMI

Interest saved

₹12,32,989

versus no prepayment

Months saved

94

months earlier

Total interest

₹14,73,950

Total paid

₹39,73,950

Repayment snapshot

146 months
MonthPaymentInterestPrepayBalance
1₹26,696₹17,708₹5,000₹24,91,013
2₹26,696₹17,645₹5,000₹24,81,962
3₹26,696₹17,581₹5,000₹24,72,847
4₹26,696₹17,516₹5,000₹24,63,667
5₹26,696₹17,451₹5,000₹24,54,423
6₹26,696₹17,385₹5,000₹24,45,113
24₹1,26,696₹16,124₹1,05,000₹21,65,788
146₹3,091₹22₹0₹0
Extra payments reduce principal directly in this illustration.

Next step

Compare credit cards that fit the result.

Use the estimate as a starting point, then compare card fees, rewards, eligibility and provider terms.

Explore tools

SBI Cashback Card

SBI Card

Best value

5%

online cashback

4.6(8,420)Rated 4.6 out of 5 from 8420 reviews

Flat 5% cashback on all online spends.

Annual fee
₹999
Reward rate
Up to 5%
Welcome benefit
None
Fee waiver
₹999 at ₹2L spend
  • Highest flat online cashback
  • Simple, no reward-point maze
  • Cashback capped at ₹5,000/month
  • No airport lounge access
Apply now

HDFC Swiggy Credit Card

HDFC Bank

Most popular

10%

Swiggy cashback

4.4(3,280)Rated 4.4 out of 5 from 3280 reviews

Everyday cashback for food, shopping and bills.

Annual fee
₹500
Swiggy cashback
Up to 10%
Other online spends
5%
Fee waiver
₹2L annual spend
  • Excellent for frequent Swiggy users
  • Useful cashback beyond food orders
  • Cashback categories and caps apply
  • Limited travel privileges
Apply now

Amazon Pay ICICI Card

ICICI Bank

Most popular

₹0

lifetime free

4.7(15,230)Rated 4.7 out of 5 from 15230 reviews

Lifetime free with unlimited cashback.

Annual fee
₹0 (lifetime)
Reward rate
Up to 5%
Welcome benefit
Amazon voucher
Fee waiver
Not applicable
  • Truly lifetime free
  • Great for heavy Amazon shoppers
  • Rewards locked to Amazon Pay balance
  • No lounge access
Apply now

Use it as a guide

Compare scenarios before speaking with your lender about actual charges and rules.

Try the timing

Move the prepayment month to see how earlier principal reduction affects the outcome.

Keep comparing

When you are ready, explore accounts and investment options that fit your plan.