EMI Calculator 2026 – Home, Car & Personal Loan | Download Amortisation Schedule Excel {“@context”:”https://schema.org&#8221;,”@type”:”WebApplication”,”name”:”EMI Calculator India”,”url”:”https://Fundicast.in/emi-calculator/&#8221;,”description”:”Free online EMI calculator for Home Loan, Car Loan and Personal Loan in India. Calculate monthly EMI and download full amortisation schedule in Excel.”,”applicationCategory”:”FinanceApplication”,”operatingSystem”:”All”,”offers”:{“@type”:”Offer”,”price”:”0″,”priceCurrency”:”INR”},”inLanguage”:”en-IN”,”featureList”:[“Home Loan EMI Calculation”,”Car Loan EMI Calculation”,”Personal Loan EMI Calculation”,”Amortisation Schedule”,”Excel Download”]} {“@context”:”https://schema.org&#8221;,”@type”:”BreadcrumbList”,”itemListElement”:[{“@type”:”ListItem”,”position”:1,”name”:”Home”,”item”:”https://Fundicast.in/&#8221;},{“@type”:”ListItem”,”position”:2,”name”:”Calculators”,”item”:”https://Fundicast.in/calculators/&#8221;},{“@type”:”ListItem”,”position”:3,”name”:”EMI Calculator”,”item”:”https://Fundicast.in/emi-calculator/&#8221;}]} {“@context”:”https://schema.org&#8221;,”@type”:”FAQPage”,”mainEntity”:[{“@type”:”Question”,”name”:”What is EMI?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”EMI stands for Equated Monthly Instalment. It is the fixed monthly amount paid to repay a loan. Each EMI has two parts: principal repayment and interest charged for the month.”}},{“@type”:”Question”,”name”:”What is the formula to calculate EMI?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”EMI = P × r × (1+r)ⁿ / [(1+r)ⁿ − 1]. Where P = Principal loan amount, r = Monthly interest rate (Annual rate ÷ 12 ÷ 100), n = Total number of monthly instalments.”}},{“@type”:”Question”,”name”:”How can I reduce my EMI?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”You can reduce your EMI by increasing the loan tenure, making a larger down payment, negotiating a lower interest rate with your bank, or making part-prepayments.”}},{“@type”:”Question”,”name”:”What is an amortisation schedule?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”An amortisation schedule is a month-by-month table showing every EMI payment split into principal and interest, plus the remaining loan balance after each payment.”}},{“@type”:”Question”,”name”:”Does EMI remain the same throughout the tenure?”,”acceptedAnswer”:{“@type”:”Answer”,”text”:”In fixed-rate loans, EMI stays constant. In floating-rate loans (most home loans in India), EMI may change when the bank revises its base rate.”}}]} https://cdnjs.cloudflare.com/ajax/libs/xlsx/0.18.5/xlsx.full.min.js *,*::before,*::after{box-sizing:border-box;margin:0;padding:0;} html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;} :root{ –ink:#1a1a2e;–ink2:#3d3d5c;–muted:#7a7a9a; –bg:#f7f6f2;–surface:#fff; –accent:#d4580a;–green:#1a6b4a; –border:#e4e2dc;–rad:14px; –shadow:0 2px 24px rgba(26,26,46,.08); } body{font-family:’DM Sans’,sans-serif;background:var(–bg);color:var(–ink);line-height:1.6;font-size:16px;} img{max-width:100%;height:auto;} a{color:var(–green);} /* LAYOUT */ .wrap{max-width:960px;margin:0 auto;padding:1.5rem 1rem 5rem;} /* BREADCRUMB */ .bc{font-size:12px;color:var(–muted);margin-bottom:1.25rem;display:flex;flex-wrap:wrap;gap:4px;align-items:center;} .bc a{color:var(–muted);text-decoration:none;}.bc a:hover{color:var(–green);} /* HERO */ .hero{text-align:center;margin-bottom:1.75rem;padding:0 .5rem;} .badge{display:inline-block;background:#fff3ec;color:var(–accent);font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;padding:4px 12px;border-radius:20px;margin-bottom:.75rem;border:1px solid #ffd4b8;} .hero h1{font-family:’DM Serif Display’,serif;font-size:clamp(1.55rem,5vw,2.6rem);line-height:1.15;margin-bottom:.5rem;} .hero p{font-size:clamp(13px,3vw,15px);color:var(–muted);max-width:520px;margin:0 auto;} /* CARD */ .card{background:var(–surface);border-radius:var(–rad);border:1px solid var(–border);box-shadow:var(–shadow);padding:clamp(.875rem,4vw,2rem);margin-bottom:1.5rem;} /* INPUT GRID — 2col desktop, 1col mobile */ .igrid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1.25rem;} @media(max-width:500px){.igrid{grid-template-columns:1fr;gap:.875rem;}} .field>label{display:block;font-size:11px;font-weight:600;color:var(–muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px;} .iw{position:relative;} .iw .pfx{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-size:15px;font-weight:600;color:var(–muted);pointer-events:none;z-index:1;} .iw input,.iw select{ width:100%;height:48px;border:1.5px solid var(–border);border-radius:10px; font-family:’DM Sans’,sans-serif;font-size:15px;font-weight:500;color:var(–ink); background:var(–bg);transition:border-color .2s,background .2s;outline:none; -webkit-appearance:none;appearance:none; } /* iOS zoom fix — needs 16px on mobile */ @media(max-width:767px){.iw input,.iw select{font-size:16px;}} .iw input{padding:0 12px 0 34px;} .iw select{padding:0 36px 0 12px;background-image:url(“data:image/svg+xml,%3Csvg xmlns=’http://www.w3.org/2000/svg&#8217; width=’12’ height=’8’%3E%3Cpath d=’M1 1l5 5 5-5′ stroke=’%237a7a9a’ stroke-width=’1.5′ fill=’none’ stroke-linecap=’round’/%3E%3C/svg%3E”);background-repeat:no-repeat;background-position:right 13px center;} .iw input:focus,.iw select:focus{border-color:var(–accent);background:#fff;} .iw.np input{padding-left:12px;} /* RANGE */ .rw{margin-top:7px;} input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:4px;background:var(–border);border-radius:4px;outline:none;cursor:pointer;} input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;background:var(–accent);border-radius:50%;cursor:pointer;border:3px solid #fff;box-shadow:0 1px 4px rgba(0,0,0,.2);} input[type=range]::-moz-range-thumb{width:20px;height:20px;background:var(–accent);border-radius:50%;cursor:pointer;border:3px solid #fff;} .rl{display:flex;justify-content:space-between;font-size:11px;color:var(–muted);margin-top:3px;} /* BUTTON */ .cbtn{width:100%;height:52px;background:var(–ink);color:#fff;border:none;border-radius:10px;font-family:’DM Sans’,sans-serif;font-size:15px;font-weight:600;cursor:pointer;letter-spacing:.02em;transition:background .2s,transform .1s;touch-action:manipulation;} .cbtn:hover{background:var(–accent);} .cbtn:active{transform:scale(.99);} /* RESULTS */ .res{display:none;margin-top:1.5rem;}.res.show{display:block;} /* RESULT BOXES — 2col mobile, 4col desktop */ .rg{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:1.5rem;} @media(min-width:580px){.rg{grid-template-columns:repeat(4,1fr);}} .rb{background:var(–bg);border-radius:10px;padding:.875rem 1rem;border:1px solid var(–border);} .rb.hi{background:var(–ink);border-color:var(–ink);} .rb .rl2{font-size:10px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(–muted);margin-bottom:5px;} .rb.hi .rl2{color:rgba(255,255,255,.5);} .rb .rv{font-family:’DM Serif Display’,serif;font-size:clamp(1.1rem,3.5vw,1.5rem);color:var(–ink);line-height:1.1;word-break:break-all;} .rb.hi .rv{color:#fff;} .rb .rs{font-size:11px;color:var(–muted);margin-top:3px;} .rb.hi .rs{color:rgba(255,255,255,.4);} /* DONUT */ .ds{display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap;margin-bottom:1.5rem;} @media(max-width:380px){.ds{justify-content:center;}} .dw{flex:0 0 130px;} svg.donut{display:block;} .dl{flex:1;min-width:150px;} .li{display:flex;align-items:center;gap:10px;margin-bottom:10px;} .ld{width:11px;height:11px;border-radius:50%;flex-shrink:0;} .linfo{font-size:13px;}.linfo strong{display:block;font-weight:600;color:var(–ink);}.linfo span{color:var(–muted);font-size:12px;} /* DIVIDER */ hr.div{border:none;border-top:1px solid var(–border);margin:1.5rem 0;} /* SCHEDULE */ .sh{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-bottom:1rem;} .sh h2{font-family:’DM Serif Display’,serif;font-size:clamp(1.05rem,4vw,1.3rem);} .dlbtn{display:inline-flex;align-items:center;gap:7px;padding:9px 16px;background:var(–green);color:#fff;border:none;border-radius:8px;font-family:’DM Sans’,sans-serif;font-size:13px;font-weight:600;cursor:pointer;transition:background .2s;touch-action:manipulation;white-space:nowrap;} .dlbtn:hover{background:#145c3e;} .dlbtn svg{width:14px;height:14px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0;} /* TOGGLE */ .tog{display:flex;align-items:center;gap:10px;margin-bottom:1rem;flex-wrap:wrap;} .tl{font-size:11px;font-weight:600;color:var(–muted);text-transform:uppercase;letter-spacing:.06em;} .tbs{display:flex;gap:3px;background:var(–bg);border:1px solid var(–border);border-radius:8px;padding:3px;} .tb{padding:5px 14px;font-size:12px;font-weight:600;border:none;border-radius:6px;cursor:pointer;font-family:’DM Sans’,sans-serif;background:transparent;color:var(–muted);transition:all .15s;touch-action:manipulation;} .tb.on{background:var(–ink);color:#fff;} /* TABLE */ .tw{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:10px;border:1px solid var(–border);} table{width:100%;border-collapse:collapse;font-size:13px;min-width:400px;} thead th{background:var(–ink);color:#fff;padding:10px 12px;text-align:right;font-weight:600;font-size:11px;text-transform:uppercase;letter-spacing:.06em;white-space:nowrap;} thead th:first-child{text-align:left;} tbody tr{border-bottom:1px solid var(–border);transition:background .1s;} tbody tr:last-child{border-bottom:none;} tbody tr:hover{background:#faf9f6;} tbody td{padding:9px 12px;text-align:right;color:var(–ink2);} tbody td:first-child{text-align:left;font-weight:500;color:var(–ink);} .tp{color:var(–green);font-weight:500;} .ti{color:var(–accent);font-weight:500;} .tb2{color:var(–muted);} tfoot td{padding:10px 12px;font-weight:700;background:var(–bg);text-align:right;font-size:12px;color:var(–ink);border-top:2px solid var(–border);} tfoot td:first-child{text-align:left;} /* INFO */ .info{background:#f0faf5;border:1px solid #b8e6d0;border-radius:10px;padding:1rem 1.25rem;margin-top:1.5rem;font-size:13px;color:var(–ink2);line-height:1.75;} .info strong{color:var(–ink);} /* SEO CONTENT */ .seo{margin-top:2.5rem;} .seo h2{font-family:’DM Serif Display’,serif;font-size:clamp(1.15rem,4vw,1.55rem);margin-bottom:.75rem;} .seo h3{font-family:’DM Serif Display’,serif;font-size:clamp(1rem,3vw,1.2rem);margin:1.5rem 0 .5rem;} .seo p{font-size:14px;color:var(–ink2);line-height:1.8;margin-bottom:.75rem;} .seo ul{font-size:14px;color:var(–ink2);line-height:1.8;margin-bottom:.75rem;padding-left:1.2rem;} .seo ul li{margin-bottom:.2rem;} .rate-table{width:100%;border-collapse:collapse;font-size:13px;margin:.75rem 0 1rem;border-radius:10px;overflow:hidden;border:1px solid var(–border);} .rate-table th{background:var(–ink);color:#fff;padding:9px 14px;text-align:left;font-weight:600;font-size:11px;text-transform:uppercase;letter-spacing:.06em;} .rate-table td{padding:9px 14px;border-bottom:1px solid var(–border);color:var(–ink2);} .rate-table tr:last-child td{border-bottom:none;} .rate-table td:last-child{text-align:right;font-weight:500;color:var(–ink);} /* FAQ */ .faq{margin-top:2rem;} .faq h2{font-family:’DM Serif Display’,serif;font-size:clamp(1.15rem,4vw,1.5rem);margin-bottom:1rem;} .fi{border:1px solid var(–border);border-radius:10px;margin-bottom:10px;overflow:hidden;} .fq{width:100%;text-align:left;background:var(–surface);border:none;padding:1rem 1.25rem;font-family:’DM Sans’,sans-serif;font-size:14px;font-weight:600;color:var(–ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;line-height:1.4;touch-action:manipulation;} .fq:hover{background:#faf9f6;} .fa-arrow{width:18px;height:18px;flex-shrink:0;transition:transform .25s;} .fa{display:none;padding:.75rem 1.25rem 1rem;font-size:13px;color:var(–ink2);line-height:1.75;border-top:1px solid var(–border);background:#fafaf8;} .fi.op .fa{display:block;}.fi.op .fa-arrow{transform:rotate(180deg);} /* RELATED */ .rel{margin-top:2rem;} .rel h2{font-family:’DM Serif Display’,serif;font-size:clamp(1.1rem,4vw,1.4rem);margin-bottom:1rem;} .tg2{display:grid;grid-template-columns:repeat(auto-fill,minmax(130px,1fr));gap:10px;} .tl2{display:block;background:var(–surface);border:1px solid var(–border);border-radius:10px;padding:.875rem 1rem;text-decoration:none;color:var(–ink);font-size:13px;font-weight:500;transition:border-color .2s,background .2s;text-align:center;} .tl2:hover{border-color:var(–green);background:#f0faf5;color:var(–green);} .tl2 small{display:block;font-size:11px;color:var(–muted);font-weight:400;margin-top:3px;} /* STICKY EMI BAR (mobile only) */ .sticky{display:none;position:fixed;bottom:0;left:0;right:0;background:var(–ink);color:#fff;padding:.75rem 1.25rem;flex-direction:row;align-items:center;justify-content:space-between;z-index:200;box-shadow:0 -2px 12px rgba(0,0,0,.15);} .sticky.show{display:flex;} .sticky .sl{font-size:11px;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.06em;} .sticky .sv{font-family:’DM Serif Display’,serif;font-size:1.25rem;} .sticky .sc{background:rgba(255,255,255,.15);border:none;color:#fff;width:28px;height:28px;border-radius:50%;cursor:pointer;font-size:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0;touch-action:manipulation;} /* A11Y */ .sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;} let data=[], view=’m’; const mn=[‘Jan’,’Feb’,’Mar’,’Apr’,’May’,’Jun’,’Jul’,’Aug’,’Sep’,’Oct’,’Nov’,’Dec’]; const now=new Date(); document.getElementById(‘startDate’).value=now.toISOString().slice(0,7); const f=n=>’₹’+Math.round(n).toLocaleString(‘en-IN’); const fn=n=>Math.round(n).toLocaleString(‘en-IN’); function syncR(id){const r=document.getElementById(id+’R’);if(r)r.value=document.getElementById(id).value;} function syncI(id){document.getElementById(id).value=document.getElementById(id+’R’).value;} let act; function ac(){clearTimeout(act);act=setTimeout(calc,280);} function calc(){ const P=parseFloat(document.getElementById(‘principal’).value); const ar=parseFloat(document.getElementById(‘rate’).value); const ty=parseInt(document.getElementById(‘tenure’).value); const sv=document.getElementById(‘startDate’).value; if(!P||!ar||!ty||P<1000)return; const r=ar/12/100, n=ty*12; const emi=P*r*Math.pow(1+r,n)/(Math.pow(1+r,n)-1); const tot=emi*n, tint=tot-P; document.getElementById('emiVal').textContent=f(emi); document.getElementById('pVal').textContent=f(P); document.getElementById('iVal').textContent=f(tint); document.getElementById('tVal').textContent=f(tot); document.getElementById('iPct').textContent=(tint/P*100).toFixed(1)+'% of principal'; document.getElementById('tDisp').textContent='over '+n+' months'; const circ=2*Math.PI*46; const pArc=circ*(P/tot), iArc=circ*(tint/tot); document.getElementById('dPct').textContent=(tint/tot*100).toFixed(1)+'%'; document.getElementById('dP').setAttribute('stroke-dasharray',pArc+' '+circ); document.getElementById('dI').setAttribute('stroke-dasharray',iArc+' '+circ); document.getElementById('dI').setAttribute('stroke-dashoffset',-pArc); document.getElementById('lgP').textContent=f(P); document.getElementById('lgI').textContent=f(tint); document.getElementById('lgT').textContent=f(tot); let bal=P; data=[]; let [sy,sm]=sv?sv.split('-').map(Number):[now.getFullYear(),now.getMonth()+1]; for(let i=1;i<=n;i++){ const int=bal*r, pri=Math.min(emi-int,bal); bal=Math.max(0,bal-pri); const mi=(sm-1+i-1)%12, yr=sy+Math.floor((sm-1+i-1)/12); data.push({no:i,date:mn[mi]+' '+yr,emi,principal:pri,interest:int,balance:bal,year:yr}); } renderT(); document.getElementById('results').classList.add('show'); document.getElementById('stickyEmi').textContent=f(emi); if(window.innerWidth{tp+=r.principal;ti+=r.interest;te+=r.emi; rows+=`${r.no}${r.date}${fn(r.emi)}${fn(r.principal)}${fn(r.interest)}${fn(r.balance)}`; }); sb.innerHTML=rows; sf.innerHTML=`Total${fn(te)}${fn(tp)}${fn(ti)}—`; } else { const yrs={}; data.forEach(r=>{if(!yrs[r.year])yrs[r.year]={e:0,p:0,i:0,b:0};yrs[r.year].e+=r.emi;yrs[r.year].p+=r.principal;yrs[r.year].i+=r.interest;yrs[r.year].b=r.balance;}); let tp=0,ti=0,te=0,idx=1; Object.entries(yrs).forEach(([yr,d])=>{tp+=d.p;ti+=d.i;te+=d.e; rows+=`${idx++}${yr}${fn(d.e)}${fn(d.p)}${fn(d.i)}${fn(d.b)}`; }); sb.innerHTML=rows; sf.innerHTML=`Total${fn(te)}${fn(tp)}${fn(ti)}—`; } } function sw(v){ view=v; const bm=document.getElementById(‘bM’),by=document.getElementById(‘bY’); bm.classList.toggle(‘on’,v===’m’); by.classList.toggle(‘on’,v===’y’); bm.setAttribute(‘aria-checked’,v===’m’); by.setAttribute(‘aria-checked’,v===’y’); renderT(); } function tf(btn){ const fi=btn.closest(‘.fi’), was=fi.classList.contains(‘op’); document.querySelectorAll(‘.fi.op’).forEach(el=>{el.classList.remove(‘op’);el.querySelector(‘.fq’).setAttribute(‘aria-expanded’,’false’);}); if(!was){fi.classList.add(‘op’);btn.setAttribute(‘aria-expanded’,’true’);} } function dlXL(){ if(!data.length)return; const P=parseFloat(document.getElementById(‘principal’).value); const rate=parseFloat(document.getElementById(‘rate’).value); const tenure=parseInt(document.getElementById(‘tenure’).value); const lt=document.getElementById(‘loanType’); const loanType=lt.options[lt.selectedIndex].text; const emi=data[0].emi; const tint=data.reduce((s,r)=>s+r.interest,0); const tot=data.reduce((s,r)=>s+r.emi,0); const wb=XLSX.utils.book_new(); // Summary sheet const ws1=XLSX.utils.aoa_to_sheet([ [‘EMI CALCULATOR – LOAN SUMMARY’,”,”], [‘Indian Finance Tools’,”,”], [”,”,”], [‘LOAN DETAILS’,”,”], [‘Loan Type’,loanType,”], [‘Principal Amount (₹)’,Math.round(P),”], [‘Annual Interest Rate (%)’,rate,”], [‘Loan Tenure (Years)’,tenure,”], [‘Loan Tenure (Months)’,tenure*12,”], [”,”,”], [‘RESULTS’,”,”], [‘Monthly EMI (₹)’,Math.round(emi),”], [‘Total Principal (₹)’,Math.round(P),”], [‘Total Interest (₹)’,Math.round(tint),”], [‘Total Amount Payable (₹)’,Math.round(tot),”], [‘Interest as % of Principal’,((tint/P)*100).toFixed(2)+’%’,”], ]); ws1[‘!cols’]=[{wch:32},{wch:22},{wch:10}]; XLSX.utils.book_append_sheet(wb,ws1,’Summary’); // Monthly sheet const mH=[‘Month No.’,’Month-Year’,’EMI (₹)’,’Principal (₹)’,’Interest (₹)’,’Closing Balance (₹)’]; const mR=data.map(r=>[r.no,r.date,Math.round(r.emi),Math.round(r.principal),Math.round(r.interest),Math.round(r.balance)]); mR.push([‘TOTAL’,”,Math.round(data.reduce((s,r)=>s+r.emi,0)),Math.round(data.reduce((s,r)=>s+r.principal,0)),Math.round(data.reduce((s,r)=>s+r.interest,0)),’—’]); const ws2=XLSX.utils.aoa_to_sheet([mH,…mR]); ws2[‘!cols’]=[{wch:12},{wch:14},{wch:14},{wch:16},{wch:14},{wch:20}]; XLSX.utils.book_append_sheet(wb,ws2,’Monthly Schedule’); // Yearly sheet const yrs={}; data.forEach(r=>{if(!yrs[r.year])yrs[r.year]={e:0,p:0,i:0,b:0};yrs[r.year].e+=r.emi;yrs[r.year].p+=r.principal;yrs[r.year].i+=r.interest;yrs[r.year].b=r.balance;}); const yH=[‘Year No.’,’Year’,’Total EMI (₹)’,’Principal Paid (₹)’,’Interest Paid (₹)’,’Closing Balance (₹)’]; const yR=Object.entries(yrs).map(([yr,d],i)=>[i+1,parseInt(yr),Math.round(d.e),Math.round(d.p),Math.round(d.i),Math.round(d.b)]); yR.push([‘TOTAL’,”,Math.round(Object.values(yrs).reduce((s,d)=>s+d.e,0)),Math.round(Object.values(yrs).reduce((s,d)=>s+d.p,0)),Math.round(Object.values(yrs).reduce((s,d)=>s+d.i,0)),’—’]); const ws3=XLSX.utils.aoa_to_sheet([yH,…yR]); ws3[‘!cols’]=[{wch:10},{wch:8},{wch:16},{wch:18},{wch:16},{wch:20}]; XLSX.utils.book_append_sheet(wb,ws3,’Yearly Schedule’); XLSX.writeFile(wb,`EMI_${loanType.replace(/\s+/g,’_’)}_${Math.round(P/100000)}L_${rate}pct_${tenure}yr.xlsx`); } calc();