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Home loan, car loan, personal loan — type the amount, rate, and tenure, see your monthly EMI and the full amortization schedule. Multi-currency, no signup.
Equated Monthly Installment — a fixed payment that combines principal and interest each month. The EMI stays the same; the split between principal and interest shifts over time as the balance drops.
Early in the loan, most of your EMI is interest. As the balance shrinks, more of each payment chips at the principal. Use the schedule below to see the exact split per month.
Bigger down payment, shorter tenure if you can afford the higher EMI, and shopping around for the lowest rate. Even 0.5% off your rate can save tens of thousands over a long mortgage.
For information only — not financial, tax, or legal advice.
EMI math uses a standard reducing-balance amortization. It excludes processing fees, prepayment penalties, insurance, and lender-specific adjustments. Always verify with an official source and a licensed professional before filing, borrowing, or transacting. Read the full disclaimer.
ExpenseFlow tracks every EMI, splits principal from interest, and reminds you before the next payment hits.
