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The monthly EMI is only part of the story. What usually decides whether a loan is sensible is the total interest paid over its life, which grows sharply with tenure. Comparing a five year and a seven year loan on the same amount is often eye-opening.
A lower EMI feels easier month to month, but you pay interest for more months. Extending a loan from five to seven years can add a third to the total interest.
This assumes a fixed rate. With a floating rate the EMI or tenure changes when rates move, so treat the result as a snapshot.
No. Add those separately — they are typically 0.5 to 2 percent of the loan.