Find how long it takes to repay or compute EMI for a desired tenure.
Result
4.08 yrs
Loan
₹2,00,000
Total Interest
₹45,000
Total Payment
₹2,45,000
| Year | Principal | Interest | Total Payment | Balance |
|---|---|---|---|---|
| Year 1 | ₹42,833 | ₹17,167 | ₹60,000 | ₹1,57,167 |
| Year 2 | ₹47,084 | ₹12,916 | ₹60,000 | ₹1,10,083 |
| Year 3 | ₹51,757 | ₹8,243 | ₹60,000 | ₹58,325 |
| Year 4 | ₹56,894 | ₹3,106 | ₹60,000 | ₹1,431 |
| Total | ₹2,00,000 | ₹41,431 | ₹2,45,000 | - |
Estimate how long it will take to repay a loan or compute EMI for a chosen tenure using this easy tool.
Use the calculator to either find the repayment tenure from a known EMI, or compute the monthly EMI for a desired tenure and interest rate.
The tool uses the standard EMI formula and numeric methods to derive tenure when EMI is known.
EMI = [P × R × (1 + R)^N] / [(1 + R)^N – 1]
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Enter your loan amount, interest rate and monthly EMI; select "Find Tenure" to see the approximate years needed.
If EMI is lower than the monthly interest charge, the loan cannot be repaid — increase EMI or reduce loan amount.
Yes — use the Download PDF or Excel buttons to export the schedule and summary.