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EMI & Loan Calculator

100% Client-Side

Calculate monthly loan EMI payments, total interest payable, overall repayment breakdown, and visual principal-to-interest ratios for home, car, and personal loans.

Monthly EMI $0.00
Total Interest $0.00
Total Payment $0.00
โ–  Principal (75%) โ–  Total Interest (25%)

How to Use EMI & Loan Calculator

1
Enter Loan Amount

Type principal loan amount (e.g. 50,000).

2
Set Rate & Tenure

Specify annual interest rate percentage and tenure in years.

3
Inspect EMI Breakdown

Review monthly EMI payment, total interest, and proportional repayment ratio.

Key Features & Privacy

โœ“ Standard Reducing Balance Formula

Uses E = P * r * (1+r)^n / ((1+r)^n - 1) banking standard.

โœ“ Principal vs Interest Bar

Visual distribution chart showing how much of your total payment is interest.

โœ“ Flexible Currency Adapters

Easily calculate in USD, EUR, GBP, or INR.

๐Ÿ”’ Complete Client-Side Isolation

This tool runs entirely in your local browser runtime. No logs, analytics tracking, or remote server transmissions occur.

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