EMI Calculator – Calculate Your Loan EMI Instantly

Use our flexible EMI Calculator to estimate monthly and yearly payments for Home, Car, or Personal Loans. Quickly adjust loan amount, interest rate, and tenure to find the EMI that fits your budget.

Monthly EMI

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Principal Amount

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Total Interest

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Total Amount

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Yearly EMI Breakdown

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Month EMI Principal Interest Balance
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EMI Distribution

Planning to take a loan and want to know how much you’ll pay every month? Use the EMI Calculator from 99tools.in — a fast, flexible, and free tool to calculate your Equated Monthly Installment (EMI) for home loans, car loans, personal loans, and more.

Whether you’re budgeting your finances or comparing loan offers, our EMI Calculator gives you accurate monthly and yearly breakdowns — instantly and hassle-free.

What is EMI?

EMI (Equated Monthly Installment) is the fixed amount you pay every month to repay a loan. It includes both principal (loan amount) and interest and continues for the loan tenure.

EMIs are used in all types of loans:

  • 🏠 Home Loans
  • 🚗 Car Loans
  • 💼 Personal Loans
  • 🎓 Education Loans
  • 📱 Consumer Durable Loans

Key Features of Our EMI Calculator

✅ Instant Results – Calculate monthly and yearly EMI within seconds
✅ Flexible Inputs – Adjust loan amount, interest rate, and tenure easily
✅ Yearly & Monthly Breakdown – See how much goes toward principal vs. interest
✅ Interactive Sliders & Input Boxes – Smooth user experience for desktop and mobile
✅ EMI Chart Visualization – Visual representation of total payment vs. loan structure
✅ Amortization Table – View detailed monthly breakup of interest and principal
✅ No Login Required – 100% free, no sign-up, no data stored

How to Use the EMI Calculator

  1. Visit 99tools.in/emi-calculator
  2. Enter the loan amount (e.g., ₹10,00,000)
  3. Select the annual interest rate (e.g., 8.5%)
  4. Choose the loan tenure in months or years
  5. Instantly see your monthly EMI, total interest, and total repayment

You can also explore the year-wise EMI schedule or expand a detailed monthly amortization table to understand your repayment plan better.

What You Get

  • 📅 Monthly EMI Amount – Your fixed monthly payment
  • 📈 Total Interest Payable – The total interest you’ll pay over the loan duration
  • 💰 Total Payment – Sum of principal and total interest
  • 📊 Graphical Breakdown – Interactive chart showing EMI structure
  • 🧾 Amortization Schedule – Yearly and monthly installment details with balance tracking

Why Use This EMI Calculator?

  • ✅ Plan your loan confidently
  • ✅ Compare multiple loan options before deciding
  • ✅ Avoid over-borrowing or underestimating EMI burden
  • ✅ Visualize your debt repayment journey
  • ✅ Stay financially informed and prepared

Who Should Use This Tool?

  • 🏡 Homebuyers planning a mortgage
  • 🚘 Vehicle buyers comparing car loan options
  • 📚 Students or parents checking education loan affordability
  • 👤 Anyone planning a personal or business loan

Final Thoughts

Loan planning doesn’t need to be confusing. The EMI Calculator Tool from 99tools.in helps you stay in control of your finances by offering fast, accurate EMI calculations and detailed insights — all in your browser.