Estimate your monthly EMI with or without interest-only periods. Get a clear repayment schedule, graph, and detailed breakdown for smarter planning.
We calculate your EMI using standard amortization formulas. If you choose an interest-only period, you'll first pay only interest, then begin paying principal + interest after that period.
The repayment schedules below show both annual and monthly breakdowns, helping you plan effectively.
During an interest-only period, you pay only the interest on the loan. Principal repayment begins later, increasing EMIs afterward.
We use the standard loan EMI formula, recalculating based on remaining tenure and outstanding principal after the interest-only phase.
This calculator uses standard formulas and assumptions. Your lender's exact terms may differ slightly.