Loan / EMI Calculator

See your monthly payment, total interest and full repayment schedule.

Your loan details

Your figures stay in this page.

ESTIMATED MONTHLY PAYMENT

AED—

Principal and interest · fixed rate

Total interest—

Total repayment—

Principal Interest

A planning estimate. Fees, insurance, taxes and changes in interest rate are excluded. The first payment is assumed one month after disbursement.

WHERE EACH PAYMENT GOES

Your repayment schedule.

Amounts are rounded for display. The schedule is calculated at full precision; your lender may use different rounding or day-count conventions.

Monthly principal, interest and remaining balance
Month	Payment	Principal	Interest	Balance

Understand the numbers.

What is EMI?

An equated monthly instalment repays principal and interest. With a fixed rate, the regular payment stays the same while the share paid toward principal grows over time.

How is it calculated?

Monthly payment = P × r ÷ [1 − (1 + r)⁻ⁿ], where P is your loan amount, r is the annual interest rate (as a percentage) divided by 1,200, and n is the number of months. At zero interest, it is P ÷ n.

Compare with your lender.

This tool assumes monthly compounding and payments at the end of each month. It does not model flat-rate loans, variable rates, prepayments or charges. Read the CFPB payment explanation ↗