WealthAura financial tool
Use WealthAura's EMI calculator to estimate your monthly loan payment, total interest and total repayment.
| Payment # | EMI | Principal | Interest | Closing balance |
|---|---|---|---|---|
| 1 | ₹8,678 | ₹1,595 | ₹7,083 | ₹9,98,405 |
| 2 | ₹8,678 | ₹1,606 | ₹7,072 | ₹9,96,799 |
| 3 | ₹8,678 | ₹1,618 | ₹7,061 | ₹9,95,181 |
| 4 | ₹8,678 | ₹1,629 | ₹7,049 | ₹9,93,552 |
| 5 | ₹8,678 | ₹1,641 | ₹7,038 | ₹9,91,912 |
| 6 | ₹8,678 | ₹1,652 | ₹7,026 | ₹9,90,260 |
| 7 | ₹8,678 | ₹1,664 | ₹7,014 | ₹9,88,596 |
| 8 | ₹8,678 | ₹1,676 | ₹7,003 | ₹9,86,920 |
| 9 | ₹8,678 | ₹1,688 | ₹6,991 | ₹9,85,232 |
| 10 | ₹8,678 | ₹1,700 | ₹6,979 | ₹9,83,533 |
| 11 | ₹8,678 | ₹1,712 | ₹6,967 | ₹9,81,821 |
| 12 | ₹8,678 | ₹1,724 | ₹6,955 | ₹9,80,098 |
| 13 | ₹8,678 | ₹1,736 | ₹6,942 | ₹9,78,362 |
| 14 | ₹8,678 | ₹1,748 | ₹6,930 | ₹9,76,614 |
| 15 | ₹8,678 | ₹1,761 | ₹6,918 | ₹9,74,853 |
| 16 | ₹8,678 | ₹1,773 | ₹6,905 | ₹9,73,080 |
| 17 | ₹8,678 | ₹1,786 | ₹6,893 | ₹9,71,295 |
| 18 | ₹8,678 | ₹1,798 | ₹6,880 | ₹9,69,496 |
| 19 | ₹8,678 | ₹1,811 | ₹6,867 | ₹9,67,685 |
| 20 | ₹8,678 | ₹1,824 | ₹6,854 | ₹9,65,862 |
| 21 | ₹8,678 | ₹1,837 | ₹6,842 | ₹9,64,025 |
| 22 | ₹8,678 | ₹1,850 | ₹6,829 | ₹9,62,175 |
| 23 | ₹8,678 | ₹1,863 | ₹6,815 | ₹9,60,312 |
| 24 | ₹8,678 | ₹1,876 | ₹6,802 | ₹9,58,436 |
An EMI is a fixed monthly loan payment. It combines interest on the outstanding balance with principal repayment, so the interest share normally declines over time.
EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1)
A ₹10,00,000 loan at 8.5% for 20 years has an estimated EMI of about ₹8,678.
Read the guide: EMI methodology →Results are planning estimates. Provider terms and applicable rules can change the final outcome.
Yes. Type values directly in the calculator and the result updates instantly.
Yes. WealthAura calculators are free to use.
Actual loan rates, fees and lender terms may vary. Calculations are based on the formula and assumptions shown; they are not financial, tax or investment advice.