FreeEMI & AMORTIZATION
Business Loan & EMI Calculator
Calculate monthly payouts, interest liabilities, and detailed amortization sheets for Indian business loans.
100% client-side. Nothing you type is uploaded or stored on a server.
How to use
- 1Enter the loan amount, interest rate and tenure (or pick a preset).
- 2Add the processing fee to see the true cost.
- 3Review the yearly or monthly amortization table and download it as CSV.
Questions
Is this the reducing-balance method?
Yes — the standard method used by Indian banks and NBFCs, where interest is charged on the outstanding principal each month.
How do prepayments affect EMI?
Prepaying reduces principal; most lenders then shorten tenure while keeping the EMI. Re-run with the lower amount and remaining tenure to see the effect.
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