Free EMI Calculator with Amortization Schedule
Manual EMI calculations are slow and easy to get wrong — one mistake can cost you lakhs over a loan tenure. Use Zubizi's free EMI calculator to get your exact monthly instalment, full payment schedule, and foreclosure plan in seconds.
Amortization Schedule
How to Use the EMI Calculator?
Get your loan EMI and full repayment schedule in 4 simple steps.
Enter Your Loan Amount
Type your loan amount or drag the slider. The calculator supports amounts from ₹1 lakh to ₹5 crore. Your inputs are saved automatically, so you can come back anytime.
Set the Interest Rate & Tenure
Enter your annual interest rate and loan tenure. You can toggle between years and months. Use the sliders for a quick what-if analysis as you change the numbers.
Review Your Full Payment Table
A detailed table appears below the calculator showing every month of your loan, grouped by year. Click any year to see the monthly breakdown. You can also change the start date to match when your loan actually began.
Plan a Foreclosure (Optional)
Click the 'Foreclose' button on any month to simulate early loan closure. Enter the bank's foreclosure fee percentage and click Apply. A detailed Foreclosure Summary card appears below, showing your total payoff amount and how much interest you save.
Why Zubizi's EMI Calculator is Different
Most EMI calculators give you one number and stop there. This EMI calculator gives you a complete financial picture — home loan, car loan, personal loan, or business loan — built for Indian borrowers who want clarity before they commit.
Instant EMI Calculation for Any Loan
Get your monthly EMI the moment you type a number — no 'Calculate' button needed. The EMI calculator updates in real time as you adjust any input. Compare a 5-year vs 10-year home loan tenure, check how a 0.5% rate change affects your car loan, or model a personal loan EMI for a specific amount instantly.
See Your Full Repayment Breakdown
Every month of your loan is laid out in a clean table, grouped by year. Each year shows how much you paid toward the loan, how much went to interest, and what's still left to pay. Click any year to expand the months inside it — whether it's a short personal loan or a long home loan.
Early Loan Closure Planner
Thinking of paying off your loan before the tenure ends? Click 'Foreclose' on any month. Enter your bank's early closure fee. The EMI calculator instantly shows you how much is left to pay, the fee amount, your final payoff total, and how much money you save by closing early.
Plan Future & Past Loans Accurately
Already have a running loan? Set the start month to when your loan began and the EMI calculator shows the full payment history from day one. Planning a future loan? Set a future month and see the schedule before you even apply. Useful for home loans, car loans, and business loans alike.
Your Inputs Are Remembered
Comparing different loan options takes multiple sessions. Your loan amount, interest rate, and tenure are saved automatically in your browser. The next time you open the EMI calculator, everything is right where you left it — no re-entering numbers. Your data never leaves your device.
100% Free, No Signup, Fully Private
There are no ads inside the tool, no forms to fill, and no account to create. All calculations run entirely in your browser. Your loan details are never sent to any server. It works on mobile, tablet, and desktop without installing anything.
Managing a Business Loan? Zubizi Can Help.
Zubizi is built for Indian small businesses. Track expenses, manage inventory, generate GST invoices, and stay on top of your cash flow — all in one place.
Frequently Asked Questions
Common questions about our free EMI calculator.