Ambiakshi ToolsRuns 100% on this deviceHomeLoansPersonalLoansCarLoansCalculate your loan EMI
Monthly EMI, interest vs principal, and prepayment impact.
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Outstanding balance
Statutory estimate — not a CA opinion
Figures use the FY 2026-27 Union Budget slabs, Section 87A rebate, EPF at 12% of basic, and state professional tax. They are educational estimates, not personal tax advice. Confirm with a Chartered Accountant and Form 16 before filing.
Standard: Income-tax Act 1961, PF Act 1952, Payment of Gratuity Act 1972. Includes high-earner surcharges (10% to 25%) with marginal relief, statutory deduction caps, and state PT schedules.
Frequently asked
Direct answers for search, answer engines, and generative crawlers.
Yes. Calculate your loan EMI runs in your browser at no charge. Nothing is uploaded.
Feedback, bugs & custom requests
Found a bug, a math anomaly, or a missing feature on Calculate your loan EMI? Send it to engineering — reports land in our Discord channel. Optional email if you want a follow-up.
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Canonical: /finance/emi-calculator. Estimates and conversions are educational. See the full disclaimer.