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EMI Calculator · इएमआई क्याल्कुलेटर

Calculate your monthly loan EMI, total interest, and a full month-by-month amortization schedule.

Calculation runs entirely in your browser — no data is sent anywhere.

Loan details

Monthly EMI: Rs. 21,247.04

Total interest: Rs. 2,74,822.84

Total payment: Rs. 12,74,822.84

Amortization schedule
MonthEMIPrincipalInterestRemaining balance
121,247.0412,913.718,333.339,87,086.29
221,247.0413,021.328,225.729,74,064.97
321,247.0413,129.838,117.219,60,935.14
421,247.0413,239.258,007.799,47,695.89
521,247.0413,349.577,897.479,34,346.32
621,247.0413,460.827,786.229,20,885.50
721,247.0413,572.997,674.059,07,312.51
821,247.0413,686.107,560.948,93,626.41
921,247.0413,800.157,446.898,79,826.26
1021,247.0413,915.157,331.898,65,911.11
1121,247.0414,031.117,215.938,51,880.00
1221,247.0414,148.047,099.008,37,731.96
1321,247.0414,265.946,981.108,23,466.02
1421,247.0414,384.826,862.228,09,081.20
1521,247.0414,504.706,742.347,94,576.50
1621,247.0414,625.576,621.477,79,950.93
1721,247.0414,747.456,499.597,65,203.48
1821,247.0414,870.346,376.707,50,333.14
1921,247.0414,994.266,252.787,35,338.88
2021,247.0415,119.226,127.827,20,219.66
2121,247.0415,245.216,001.837,04,974.45
2221,247.0415,372.255,874.796,89,602.20
2321,247.0415,500.355,746.696,74,101.85
2421,247.0415,629.525,617.526,58,472.33
2521,247.0415,759.775,487.276,42,712.56
2621,247.0415,891.105,355.946,26,821.46
2721,247.0416,023.535,223.516,10,797.93
2821,247.0416,157.065,089.985,94,640.87
2921,247.0416,291.704,955.345,78,349.17
3021,247.0416,427.464,819.585,61,921.71
3121,247.0416,564.364,682.685,45,357.35
3221,247.0416,702.404,544.645,28,654.95
3321,247.0416,841.584,405.465,11,813.37
3421,247.0416,981.934,265.114,94,831.44
3521,247.0417,123.444,123.604,77,708.00
3621,247.0417,266.143,980.904,60,441.86
3721,247.0417,410.023,837.024,43,031.84
3821,247.0417,555.113,691.934,25,476.73
3921,247.0417,701.403,545.644,07,775.33
4021,247.0417,848.913,398.133,89,926.42
4121,247.0417,997.653,249.393,71,928.77
4221,247.0418,147.633,099.413,53,781.14
4321,247.0418,298.862,948.183,35,482.28
4421,247.0418,451.352,795.693,17,030.93
4521,247.0418,605.122,641.922,98,425.81
4621,247.0418,760.162,486.882,79,665.65
4721,247.0418,916.492,330.552,60,749.16
4821,247.0419,074.132,172.912,41,675.03
4921,247.0419,233.082,013.962,22,441.95
5021,247.0419,393.361,853.682,03,048.59
5121,247.0419,554.971,692.071,83,493.62
5221,247.0419,717.931,529.111,63,775.69
5321,247.0419,882.241,364.801,43,893.45
5421,247.0420,047.931,199.111,23,845.52
5521,247.0420,214.991,032.051,03,630.53
5621,247.0420,383.45863.5983,247.08
5721,247.0420,553.31693.7362,693.77
5821,247.0420,724.59522.4541,969.18
5921,247.0420,897.30349.7421,071.88
6021,247.4821,071.88175.600.00
About this tool & FAQ

What is an EMI?

EMI stands for Equated Monthly Installment — the fixed amount you pay every month toward a loan until it's fully repaid. Each payment is split between interest (what the lender charges for lending you money) and principal (the actual amount borrowed) — early in the loan, more of each payment goes to interest; later, more goes to principal, even though the total payment stays the same.

The formula

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the principal (loan amount), r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the tenure in months. This is the standard amortizing-loan formula used by banks and financial institutions worldwide — not something specific to Nepal, so it applies whether you're comparing a home loan, vehicle loan, or personal loan.

How to use this calculator

Enter the loan amount, the annual interest rate your lender quoted you, and the tenure in months. You'll get the monthly EMI, the total amount you'll pay over the life of the loan, and the total interest — plus a full month-by-month amortization schedule showing exactly how much of each payment goes to interest versus principal.

Example

A loan of Rs. 10,00,000 at 10% annual interest over 60 months (5 years) works out to a monthly EMI of roughly Rs. 21,247, with total interest of about Rs. 2,74,820 over the life of the loan. Try adjusting the tenure — a longer tenure lowers the monthly payment but increases total interest paid.

इएमआई भनेको के हो?

इएमआई भनेको ऋण तिर्न हरेक महिना तिर्नुपर्ने निश्चित रकम हो। यसमा ब्याज र साँवा दुवै समावेश हुन्छ — सुरुमा ब्याज बढी हुन्छ, पछि साँवा बढी हुँदै जान्छ, तर कुल रकम स्थिर रहन्छ।

प्रयोग विधि

ऋणको रकम, वार्षिक ब्याजदर, र अवधि (महिनामा) प्रविष्ट गर्नुहोस् — यसले मासिक इएमआई, कुल भुक्तानी, र कुल ब्याज देखाउँछ, साथै महिना-अनुसारको पूर्ण तालिका पनि।

FAQ

Does the EMI formula change based on the bank?
No — the amortizing-loan formula itself is standard math, the same everywhere. What differs between banks is the interest rate, any processing fees, and whether interest is calculated on a reducing or flat balance (this calculator assumes a reducing balance, the far more common method).
Why does my bank's EMI differ slightly from this calculator?
Small differences usually come from processing fees, insurance premiums, or rounding conventions your bank adds on top of the base EMI formula — always confirm the exact figure with your lender before making a decision.
Is my loan information sent anywhere?
No, the entire calculation runs in your browser using the numbers you type — nothing is transmitted to a server.
Can I use this for a vehicle or personal loan, not just a home loan?
Yes — the formula is identical regardless of loan type; only the principal, rate, and tenure you enter change.