Local · Private · Free

Loan & EMI Calculator

Your monthly payment (EMI), total interest, and a full amortization schedule worked out instantly on your device. No signup. Nothing uploaded.

Loan term in

Currency

Loan amount (principal)

Annual interest rate % Nominal annual rate (APR). Use 0 for an interest-free loan.

Term (years)

#	Payment	Principal	Interest	Balance

Calculated locally, nothing is sent anywhere.

Know exactly what a loan costs, before you sign

The EMI is the fixed monthly payment that clears your loan over the term; early payments are mostly interest, later ones mostly principal. This calculator uses the standard reducing-balance formula and shows every month, so you can see the true total cost. Everything runs in your browser, fast, private and free forever. Planning a bigger financial move? Digital Heroes can help.

About Loan & EMI Calculator

Loan & EMI Calculator is a free, private tool that runs entirely in your web browser. Enter your principal, interest rate, and loan term to get your monthly EMI, total interest paid, and a full month-by-month amortization schedule for any loan or mortgage. Everything happens locally on your device: your data is never uploaded to a server, no sign-up or installation is needed, and it works offline. Like every free tool by Digital Heroes, it has no limits and costs nothing.

What you can do

Calculate your monthly EMI for any home, car, or personal loan in seconds.

Compare loan terms by switching between years and months to see how duration affects cost.

See the true total cost: principal plus every dollar of interest over the full term.

View a full amortization schedule showing principal, interest, and remaining balance for every month.

Export to CSV and open in Excel or Google Sheets for deeper analysis.

Switch currency (USD, EUR, GBP, INR, and more) to match your loan country.

How to use Loan & EMI Calculator

Open Loan & EMI Calculator: it runs in your browser with no signup required.

Enter your loan amount, annual interest rate, and loan term. Your EMI appears instantly.

Use the term toggle to switch between years and months, and pick your currency from the dropdown.

Click Show amortization schedule to see every monthly payment broken down by principal and interest.

Click Export schedule (CSV) to download the full table. Your data stays on your device.

Frequently asked questions

Is Loan & EMI Calculator free?

Yes, Loan & EMI Calculator is completely free for everyone. No sign-up, no account and no usage limits.

Is it private? Are my files uploaded anywhere?

No. Loan & EMI Calculator runs entirely in your browser on your own device, so your data never leaves your computer and nothing is uploaded to a server.

Does it work offline?

Yes. This tool is a Progressive Web App, once the page has loaded it keeps working offline, and you can install it as an app from your browser.

Do I need to install anything or create an account?

No. Just open the page and start using it. Installing it as an app is optional and only adds offline convenience.

What does Loan & EMI Calculator do?

EMI, total interest & a full amortization schedule for any loan or mortgage.