Popular Calculators
Most-used tools for everyday financial planning.
EMI Calculator
Calculate monthly EMI, total interest and total payment for home, car and personal loans with a full amortization schedule.
Calculate EMI →Home Loan Calculator
Know your true monthly payment including property tax, home insurance, PMI and HOA fees.
Calculate Home Loan →Car Loan Calculator
Plan your car purchase with down payment, trade-in value, sales tax and fees.
Calculate Car Loan →Personal Loan Calculator
See the impact of origination fees and extra payments on your personal loan.
Calculate Personal Loan →Loan Payoff Calculator
See how extra monthly and one-time payments can pay off your loan early and save interest.
Calculate Payoff →DPS Calculator
Find your Deposit Pension Scheme maturity amount with a month-by-month growth schedule.
Calculate DPS →FDR Calculator
Know your Fixed Deposit maturity amount and interest earnings for any deposit and tenure.
Calculate FDR →Mortgage & Real Estate Calculators
Everything you need to buy, refinance, rent or invest in property.
Mortgage Calculator
True monthly mortgage payment including tax, insurance, PMI and HOA fees.
Calculate Mortgage →Amortization Calculator
Full loan schedule with principal, interest and balance for every payment.
Generate Schedule →Mortgage Payoff Calculator
See how extra payments pay off your mortgage years earlier.
Calculate Payoff →House Affordability Calculator
How much house can you afford? Based on the 28/36 rule.
Check Affordability →Rent Calculator
Check your rent budget with the 30% rule and annual housing cost.
Calculate Rent →Debt-to-Income Ratio Calculator
See if your debt level is healthy before applying for a loan.
Check DTI →Real Estate Calculator
Investment cash flow, cash-on-cash return and profit estimates.
Analyze Property →Refinance Calculator
Is refinancing worth it? Compare payments and find your break-even.
Compare Refinance →Rental Property Calculator
Cash flow, cap rate, cash-on-cash return and total profit for investors.
Analyze Rental →Home Equity Loan Calculator
Fixed-rate second mortgage payments and amortization.
Calculate Equity Loan →Rent vs Buy Calculator
Compare net worth to decide if renting or buying is smarter.
Compare Rent vs Buy →Investment Calculators
Grow wealth with interest, compound growth, returns and valuation tools.
Investment Calculator
Project the future value of investments with regular contributions.
Analyze Investment →Compound Interest Calculator
See how your money grows with daily, monthly, quarterly or annual compounding.
Calculate Compound Interest →Mutual Fund Calculator
Estimate SIP and lump-sum returns with a growth visualization.
Calculate Mutual Fund →Finance Calculator
Loan, investment and savings calculations in one flexible tool.
Calculate Finance →Simple Interest Calculator
Fast simple interest for loans, deposits and borrowings.
Calculate Simple Interest →Average Return Calculator
Arithmetic and geometric average returns for your portfolio.
Calculate Avg Return →Present Value Calculator
What a future sum is worth today at a given discount rate.
Calculate PV →Future Value Calculator
Project the future value of a lump sum or series of payments.
Calculate FV →Retirement & Annuity Calculators
Secure your future with retirement, pension and annuity planning tools.
Retirement Calculator
How much to save each month to reach your retirement goal?
Plan Retirement →Social Security Calculator
Estimate Social Security benefits at different claiming ages.
Estimate Benefits →Business Calculators
Tools for asset management and business planning.
Depreciation Calculator
Straight line, declining balance, double declining and units of production methods.
Calculate Depreciation →Why Use EMI Master Calculators?
EMI Master is built to make financial planning simple and accessible for everyone. Every calculator on this site is free, requires no signup, and runs entirely in your browser — your data never leaves your device.
- 100% Free: No hidden fees, no premium tiers, no downloads.
- Private & Secure: Calculations run on your device. Nothing is stored or transmitted.
- Fast & Accurate: Industry-standard formulas with precise results.
- Mobile Friendly: Works beautifully on phones, tablets and desktops.
- Advanced Insights: Smart analytics show interest split, break-even point and equity milestones.
Popular Searches
EMI Calculator • Mortgage Calculator • House Affordability • Refinance Calculator • Rent vs Buy • Home Loan Calculator • Car Loan Calculator • Personal Loan Calculator • Loan Payoff Calculator • DPS Calculator • FDR Calculator • Compound Interest • Mutual Fund Calculator • Retirement Calculator • ROI Calculator • Depreciation Calculator
How to Calculate Home Loan EMI
EMI (Equated Monthly Installment) is the fixed amount you pay your lender every month. It is calculated with the formula:
EMI = P × r × (1 + r)n / ((1 + r)n − 1)
Where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12
÷ 100), and n is the number of monthly payments. Try the EMI
Calculator and see the full amortization schedule with smart insights instantly.