EMI Calculator — Loan की EMI तुरंत निकालो

Loan लेने से पहले EMI जानना जरूरी है — budget plan करना हो, banks compare करने हों, या family को explain करना हो। EaseToolz का EMI Calculator instant results देता है।

EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n - 1). यहाँ P = principal amount, r = monthly interest rate, n = number of months। Calculator यह automatically compute करता है।

Home loan planning: India में home loans आमतौर पर 8-10% interest पर मिलती हैं। 30 लाख का loan, 8.5% rate, 20 साल tenure → EMI approximately ₹26,035/month। Total interest in 20 years → approximately ₹32.5 lakh। Yani 30 lakh ke liye 62.5 lakh total pay karoge — isliye tenure choice important hai.

Car loan: 10 lakh ka car loan, 9% rate, 5 saal → EMI approximately ₹20,758/month। 5 saal mein total interest ₹2.45 lakh।

Personal loan: Ye sabse expensive hota hai. 5 lakh, 18% rate, 3 saal → EMI ₹18,082/month। 3 saal mein total interest ₹1.5 lakh — loan amount ka 30%।

Amortization schedule: Calculator full payment schedule dikhata hai — har mahine kitna principal pay hoga, kitna interest। Early years mein zyada interest hota hai, baad mein zyada principal। Isliye prepayment early years mein zyada faaydemand hota hai।

Multiple banks compare karo: Ek bank 8.5% deta hai, doosra 9%। Same loan par yeh 0.5% ka difference 20 saal mein lakhon ka hoga। Calculator se dono calculate karo, better deal lo।