EMI ek hi number hai, lekin usme 2 cheezein chhupi hain.
Aapki monthly loan payment, total interest aur poora schedule.
Nateeja
₹50,00,000.00 par 8.5% se 240 mahine ki EMI ₹43,391.16 banti hai. Poore loan par interest ₹54,13,879.44 hai.
Is loan ka kul kharcha
- Kitna udhaar liya · poore schedule mein wapas hone wala principal₹50,00,000.00
- Mahine ki instalment · barabar rehti hai, aapke daale rate par₹43,391.16
- Poore schedule ka interest · jitna udhaar liya uska 108.28%₹54,13,879.44
- Kul kitna wapas karenge · principal + interest₹1,04,13,879.44
Har instalment paise tak jodi gayi hai, aur aakhri instalment balance ko theek-theek khatam karti hai — isiliye yahan ke totals mein paise hain aur neeche ki saalana table rupaye tak round hai.
Prepayment se kya farak padta hai
Upar lump sum ya har mahine ka extra bhariye, aur yeh box 2 figures se bhar jaayega: schedule se kitne mahine kam hote hain, aur interest kitna kam ho jaata hai.
Interest aur principal, saal dar saal
Har saal ki payment mein kitna interest hai?
Shuru ke saal zyada interest hote hain, aur baad ke saal zyada loan hi chukate hain.
- Chukaya hua loan
- Interest
- Baaki loan
Saal 20 · Interest ₹23,201.83 · Chukaya loan ₹4,97,493.13 · Baaki ₹0.00
Shuru ki instalments mein zyadatar interest hota hai, kyunki interest us balance par lagta hai jo abhi bahut kam ghata hai. Balance girta hai toh usi instalment mein principal ka hissa badhta jaata hai — jahan dono bands ek doosre ko kaatte hain, aapke daale figures par wahi woh jagah hai.
Amortisation ka schedule
| Saal / mahina | Shuruaati balance | Jo diya | Interest | Principal | Prepay kiya | Aakhri balance |
|---|---|---|---|---|---|---|
| ₹50,00,000 | ₹5,20,694 | ₹4,21,182 | ₹99,511 | — | ₹49,00,489 | |
| ₹49,00,489 | ₹5,20,694 | ₹4,12,387 | ₹1,08,307 | — | ₹47,92,181 | |
| ₹47,92,181 | ₹5,20,694 | ₹4,02,813 | ₹1,17,881 | — | ₹46,74,300 | |
| ₹46,74,300 | ₹5,20,694 | ₹3,92,394 | ₹1,28,300 | — | ₹45,46,000 | |
| ₹45,46,000 | ₹5,20,694 | ₹3,81,053 | ₹1,39,641 | — | ₹44,06,359 | |
| ₹44,06,359 | ₹5,20,694 | ₹3,68,710 | ₹1,51,984 | — | ₹42,54,375 | |
| ₹42,54,375 | ₹5,20,694 | ₹3,55,276 | ₹1,65,418 | — | ₹40,88,958 | |
| ₹40,88,958 | ₹5,20,694 | ₹3,40,655 | ₹1,80,039 | — | ₹39,08,918 | |
| ₹39,08,918 | ₹5,20,694 | ₹3,24,741 | ₹1,95,953 | — | ₹37,12,965 | |
| ₹37,12,965 | ₹5,20,694 | ₹3,07,420 | ₹2,13,274 | — | ₹34,99,691 | |
| ₹34,99,691 | ₹5,20,694 | ₹2,88,569 | ₹2,32,125 | — | ₹32,67,566 | |
| ₹32,67,566 | ₹5,20,694 | ₹2,68,051 | ₹2,52,643 | — | ₹30,14,924 | |
| ₹30,14,924 | ₹5,20,694 | ₹2,45,720 | ₹2,74,974 | — | ₹27,39,949 | |
| ₹27,39,949 | ₹5,20,694 | ₹2,21,415 | ₹2,99,279 | — | ₹24,40,670 | |
| ₹24,40,670 | ₹5,20,694 | ₹1,94,961 | ₹3,25,733 | — | ₹21,14,937 | |
| ₹21,14,937 | ₹5,20,694 | ₹1,66,169 | ₹3,54,525 | — | ₹17,60,412 | |
| ₹17,60,412 | ₹5,20,694 | ₹1,34,832 | ₹3,85,862 | — | ₹13,74,551 | |
| ₹13,74,551 | ₹5,20,694 | ₹1,00,726 | ₹4,19,968 | — | ₹9,54,583 | |
| ₹9,54,583 | ₹5,20,694 | ₹63,604 | ₹4,57,090 | — | ₹4,97,493 | |
| ₹4,97,493 | ₹5,20,695 | ₹23,202 | ₹4,97,493 | — | ₹0 |
Formula: EMI = P·i·(1+i)ⁿ ÷ ((1+i)ⁿ − 1), i = saalana rate ÷ 1200, n = mahine. Poora schedule poore paison mein banta hai. Aakhri instalment balance ko theek-theek khatam karti hai.
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
Link mein sirf yeh inputs hote hain. Saved inputs sirf is browser mein rehte hain, aur jab tak aap on na karein, band rehte hain.
Ek cheez badal kar dekho
Har button theek ek input badalta hai aur batata hai ki headline figure par kya asar hua. Reset use wapas kar deta hai.
EMI har mahine jaane wali ek hi instalment hai, lekin uske andar 2 hisse hote hain: principal ka thoda hissa, aur us mahine ka interest. Shuruaat mein interest ka hissa bada hota hai aur principal ka chhota. Dheere dheere yeh palat jaata hai. Calculator dono hisse alag alag dikhata hai, poora month-by-month schedule deta hai, aur yeh bhi ki ek prepayment se kitne mahine aur kitna interest bachta hai.
Ek hi instalment ke andar principal aur interest dono hote hain — shuru ke mahinon mein interest ka hissa sabse bada.
Tenure lamba karne se instalment ghatti hai, kul interest badhta hai.
Jaldi kiya gaya prepayment der se kiye gaye usi prepayment se kahin zyada bachata hai.
Yeh rate ka anumaan nahi lagata — jo aap daaloge wahi lagega.
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Di gayi loan amount, rate aur tenure par har mahine ki instalment (EMI) nikaalta hai — fixed-rate loan ka seedha arithmetic.
- Kul interest aur kul chukaayi jaane wali rakam alag alag dikhata hai, aur poora month-by-month schedule: har instalment mein principal aur interest ka hissa.
- Ek baar ka lump-sum prepayment ya har mahine extra payment daalo, aur dekho tenure kitne mahine chhoti hui aur kul interest kitna gira — prepayment ke saath aur bina, dono schedule ka farak.
Yeh kya nahi karta
- Yeh nahi batata ki loan lena chahiye ya nahi, ya prepayment karna chahiye ya nahi.
- Processing fees, insurance, penalty aur lender ke doosre charges isme nahi hain.
- Floating rate wale loan mein rate aage kya hoga, yeh nahi batata — arithmetic aapke daale hue ek fixed rate par hai.
Method aur assumptions dekho
Method
- EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1).
- P loan amount hai, r saalana rate ÷ 12 hai, aur n mahinon ki ginti hai.
- Har mahine ka interest bache hue balance par lagta hai.
- Prepayment mein EMI wahi rehti hai aur loan jaldi khatam hota hai.
Yeh kya maan kar chalta hai
- Rate poore loan mein fixed maana gaya hai.
- Har mahine ek payment, samay par.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
Is hisaab mein koi published rate ya date nahi judti. Har figure aap khud type karte ho.
Shaamil nahi
- Floating loan rate ke badlaav.
- Lender fees, insurance aur loan ke doosre charges.
Isse kya badal sakta hai?
- Rate. Woh lender ka figure hai aur poori tenure ke liye fixed maana jaata hai. Floating-rate reset model nahi hai.
- Tenure. Lamba karne se instalment ghatti hai aur kul interest badhta hai — isi liye dono dikhte hain.
- Prepayment aur uska mahina. Jaldi ka prepayment sabse zyada bachata hai, kyunki tab principal — aur isliye interest — sabse bada hota hai. Instalment wahi rehti hai. Tenure chhoti hoti hai.
- Lender ke charges. Processing fees, insurance aur penalty interest rate ke bahar hain, aur is calculator ke bhi.
Instalment kaise banti hai
Har mahine bache hue principal par us mahine ka interest lagta hai. Instalment mein se pehle woh interest kata jaata hai, aur jo bacha woh principal ko kam karta hai. Agle mahine principal kam hai, isliye interest bhi kam, aur principal ka hissa thoda bada.
har mahine ka interest = bacha hua principal × (saalana rate ÷ 12)
instalment mein se:
interest ka hissa = upar wala number
principal ka hissa = instalment − interest ka hissa
agle mahine ka principal = bacha hua principal − principal ka hissaPREPAYMENT
Prepayment se kya badalta hai, aur kya nahi
Prepayment ka matlab hai schedule se alag, extra paisa principal mein daalna — ek baar ki lump sum, ya har mahine instalment ke upar thoda extra. Yahan instalment wahi rehti hai. Jo badalta hai woh tenure hai. Principal jaldi kam hota hai, isliye aage ke har mahine ka interest kam banta hai, aur loan pehle khatam ho jaata hai.
Calculator 2 schedule banata hai — ek aapke prepayment ke saath, ek bilkul wahi loan bina prepayment ke — aur dono ka farak dikhata hai: kitne mahine bache, kitna interest bacha, aur kul kitna prepay hua. Yahi wajah hai ki shuru ke saalon ka prepayment sabse zyada bachata hai: tab principal sabse bada hota hai aur interest ka hissa bhi.
Instalment kam karke tenure wahi rakhna — yeh doosra tareeka hai, aur yeh calculator abhi use nahi karta. Lender ki apni prepayment penalty ya conditions bhi isme nahi hain.
AAKHRI INSTALMENT
Aakhri instalment thodi alag kyun ho sakti hai
Schedule paise tak ka hisaab hai. Har mahine ki rounding ka jo chhota sa farak jama hota hai, woh aakhri instalment mein settle hota hai, taaki balance theek zero par aaye. Isliye aakhri instalment baaki se kuch paise alag dikh sakti hai — yeh galti nahi hai, hisaab ka poora hona hai.
DHYAN
Lamba tenure sasta nahi hota
Tenure badhane par har mahine ki instalment ghat jaati hai, aur yahi sabse aasan lagne wala rasta hai. Lekin principal zyada mahinon tak bakaya rehta hai, isliye us par kul interest badh jaata hai.
Calculator dono numbers saath dikhata hai — instalment aur kul interest — theek isiliye ki dono ek saath dekhe ja sakein. Ek ko dekh kar liya gaya faisla doosre ko chhupa deta hai.
Yeh figure aksar kaise galat padha jaata hai
- EMI ko loan ki cost samajh lena. Instalment fixed hai. Cost total interest hai, jo schedule mahine-dar-mahine dikhata hai aur jo prepayment se kam hota hai.
- Maan lena ki prepayment tenure chhota karta hai. Aisa tabhi hota hai jab lender use us tarah lagaye. Doosra tareeka tenure rakh kar instalment kam karta hai, aur dono ka total interest alag hota hai.
- Reducing-balance rate ko flat rate samajh lena. Original principal par bola gaya flat rate kaafi ooncha reducing-balance rate hota hai. Bina conversion ke dono ki tulna nahi hoti.
ISKE BAAD KYA
SAWAAL JAWAB
Aksar poochhe jaane wale sawaal
Ab wahi compounding aapke liye
FD, RD aur PPF mein jama paisa kaise badhta hai, yeh dekho. Calculator saare 3 ka hisaab saath dikhata hai. Tax aur mehngai ke baad ka paisa bhi dikhta hai.