Loan Details

₹10,00,000
8.5%
20 Years
No prepayments added

Results

Monthly EMI
₹8,688
For 20 years at 8.5%
Total Interest
₹10,85,120
Payable over loan term
Total Payment
₹20,85,120
Principal + Interest

Payment Breakdown

Yearly Payments

Balance Over Time

EMI Calculator – Plan Your Loan Smartly

What is EMI?

EMI means Equated Monthly Installment. It is the fixed amount you pay every month when you take a loan. Each EMI has two parts:

  • Principal: the money you borrow.
  • Interest: the extra money you pay to the bank.

In the first few years, your EMI is mostly interest. Later, more of your EMI goes to the principal. Even though your EMI stays the same, the share of principal and interest changes over time.

Why Use an EMI Calculator?

Manually calculating EMI is boring and confusing. Our EMI Calculator makes it fast, simple, and accurate. With just a few clicks, you can:

  • Find out your monthly EMI instantly.
  • See how much interest you will pay in total.
  • Understand how your loan balance reduces year by year.
  • Plan your loan in a smarter way.

Features of Our EMI Calculator

✔ Easy Inputs

Select loan type, enter amount, interest rate, and tenure. Choose EMI scheme and add prepayments.

✔ Instant Results

Get monthly EMI amount, total interest payable, and total payment instantly.

✔ Visual Reports

Pie charts, yearly payment graphs, and balance over time charts.

✔ Extra Tools

Add prepayments, download reports, and view full payment schedules.

How This Helps You

  • Compare loans easily before deciding.
  • Plan your budget and know what you can afford.
  • Save money by trying prepayments and checking the effect.
  • Be ready for the future by checking different interest rates.

About Us

About Us – SHINK

SHINK was founded by Naveed Ahmad, a passionate tech enthusiast with a deep understanding of technology trends. With years of experience in the tech industry, Naveed envisioned a platform where users could access accurate, up-to-date, and easy-to-understand technology content.

Company History

SHINK was created with the goal of making tech news accessible to everyone. Our founder, driven by a love for technology and a desire to share knowledge, launched the website to provide valuable content that not only informs but also helps readers make informed decisions. Since its inception, SHINK has grown into a trusted source for tech news and resources, regularly publishing articles on the latest advancements in the tech world.

Our Mission

At SHINK, our mission is simple: To keep our audience informed with the most accurate and up-to-date technology news and insights. We strive to make complex tech topics understandable for everyone, regardless of their level of expertise. We are committed to delivering high-quality content that empowers our readers to stay ahead in the fast-paced tech world.

Meet Our Team

Asjid Ali

Content Writer and Tech Analyst

Experience: 6 years

Hussain Ali

Web Developer

Experience: 3 years

Contact Information

Email: info@SHINK.site

Phone: Office Phone Number

Website: https://www.SHINK.site/

Privacy Policy

Last updated: Sepmbar 24 ,2025

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.
  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to SHINK.
  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • Country refers to: California, United States
  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Website.
  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • Website refers to SHINK, accessible from https://www.SHINK.site/
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: shink1122@gmail.com

Terms and Conditions

Last updated: Sepmbar 24 ,2025

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
  • Country refers to: California, United States
  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to SHINK.
  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • Service refers to the Website.
  • Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
  • Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
  • Website refers to SHINK, accessible from https://www.SHINK.site/
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

By email: shink1122@gmail.com

Contact Us

Have questions about our EMI calculator or need assistance with your financial planning? We're here to help! Reach out to us using the contact form below, and our team will get back to you as soon as possible.

Other Ways to Reach Us

Email: shinksupport@emicalculator.site

Phone: +1 (5019868939

Address: 184 City Plaza, Banking District,Kolkata 10007