EMI & Loan Calculator. Plan repayments confidently
Calculate monthly EMI, total interest, loan repayment schedule and the impact of extra monthly payments—right in your browser.
Loan details
Enter principal, annual interest and loan duration.
Fixed interest, monthly reducing-balance estimate. Extra payments reduce tenure, not the contractual EMI. Actual lender charges, rounding and repayment rules may differ.
EMI results
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Payment schedule
| Month | Payment | Interest | Balance |
|---|
Frequently asked questions
Quick answers about using this free Voocks tool.
How is the monthly loan EMI calculated?
Enter your loan amount, annual interest rate and repayment term. Voocks estimates the fixed monthly payment using a reducing-balance loan formula and shows a month-by-month schedule.
Can I see how extra payments reduce my loan tenure?
Yes. Enter an extra monthly payment to estimate a shorter repayment period and possible interest savings. This tool keeps the base EMI fixed in its estimates.
Can I download my repayment schedule?
Yes. Use Download schedule CSV after calculating to save the month-by-month payment, interest and remaining balance figures. Actual lender amounts may differ.