SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
EMI Calculator
Calculate the EMI on a reducing-balance loan, with a principal versus interest breakdown and a complete amortisation schedule.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹50,00050 Lakh₹10,00,00,000
124
130
A longer tenure lowers the EMI but increases the total interest paid.
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Monthly EMI
₹43,391
For a ₹50,00,000 loan at 8.5% over 20 years — 240 instalments in total.
Principal
₹50,00,000
Total interest
₹54,13,879
52% of everything you pay
Total payment
₹1,04,13,879
Principal plus interest over the full tenure
Interest per rupee borrowed
₹1.08
Interest paid for every ₹1 of loan
Principal versus interest
Total payment₹1,04,13,879
- Principal48%
- Interest52%
How each year’s payment splits
Early instalments are mostly interest. The principal share grows as the outstanding balance falls.
Amortisation schedule, by year
| Year | Principal repaid | Interest paid | Total paid | Outstanding | Loan repaid |
|---|---|---|---|---|---|
| 1 | ₹99,511 | ₹4,21,182 | ₹5,20,694 | ₹49,00,489 | 2% |
| 2 | ₹1,08,307 | ₹4,12,387 | ₹5,20,694 | ₹47,92,181 | 4% |
| 3 | ₹1,17,881 | ₹4,02,813 | ₹5,20,694 | ₹46,74,300 | 7% |
| 4 | ₹1,28,300 | ₹3,92,394 | ₹5,20,694 | ₹45,46,000 | 9% |
| 5 | ₹1,39,641 | ₹3,81,053 | ₹5,20,694 | ₹44,06,359 | 12% |
| 6 | ₹1,51,984 | ₹3,68,710 | ₹5,20,694 | ₹42,54,375 | 15% |
| 7 | ₹1,65,418 | ₹3,55,276 | ₹5,20,694 | ₹40,88,957 | 18% |
| 8 | ₹1,80,039 | ₹3,40,655 | ₹5,20,694 | ₹39,08,918 | 22% |
| 9 | ₹1,95,953 | ₹3,24,741 | ₹5,20,694 | ₹37,12,965 | 26% |
| 10 | ₹2,13,274 | ₹3,07,420 | ₹5,20,694 | ₹34,99,691 | 30% |
| 11 | ₹2,32,125 | ₹2,88,569 | ₹5,20,694 | ₹32,67,566 | 35% |
| 12 | ₹2,52,643 | ₹2,68,051 | ₹5,20,694 | ₹30,14,923 | 40% |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Interest calculation
- Reducing balance, fixed rate
- The rate is assumed not to change for the whole tenure. Floating-rate loans reset periodically, which changes either the EMI or the tenure.
- Not included
- Processing fees, insurance, stamp duty, GST
- Lenders also apply their own day-count and rounding conventions, so the EMI they quote may differ from the figure here.
- Prepayments
- None assumed
- Part-prepayments reduce total interest considerably. This schedule assumes the loan runs its full term.
- Status of this figure
- Not a loan offer
- This tool does not constitute a sanction, an offer of credit, or a recommendation to borrow.
यह नाम आपके PDF सारांश पर छपेगा। इसे न तो कहीं सहेजा जाता है, न भेजा जाता है। PDF सारांश अंग्रेज़ी में होता है।
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्ति का निर्माण। भविष्य की सुरक्षा।
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
निवेश बाज़ार जोखिमों के अधीन है। रिटर्न की गारंटी नहीं है। कोई भी चर्चा शैक्षिक प्रकृति की होती है और यह किसी वित्तीय उत्पाद को ख़रीदने या बेचने की सिफ़ारिश नहीं है।