Calculator
Ihegharịa n'ụbọchị n'ụbọchị (EMI) na ọbụla n'ihe n'aka.
Nhọrọ ndị ahụ ga-akpụzi mgbe ị na-etipụta.
N'ihe banyere calculator a
An EMI (equated monthly instalment) is the fixed amount you repay each month on a loan, covering both interest and principal, and this EMI calculator works it out from the loan amount, annual interest rate and tenure. It also shows the total interest and the total payment over the life of the loan, and lets you add an extra monthly amount to clear the loan sooner.
The formula is EMI = P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the principal, i the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. For example, a 1,000,000 loan at 9% over 20 years gives an EMI of about 8,997; early instalments are mostly interest and later ones mostly principal, but the EMI itself stays constant throughout.
Use it for home, car or personal loans to check the monthly commitment before borrowing, to compare tenures, or to see how a longer tenure trims the EMI while inflating total interest. Adding even a small extra monthly payment shifts the balance toward principal and shortens the loan.
Ajụjụ ndị a na-ajụkarị
Gịnị bụ EMI formula?
EMI = P × i × (1 + i) ^ n ÷ ((1 + i) ^ n - 1), ebe P bụ the principal, i the monthly rate (annual ÷ 12 ÷ 100) na n the number of months. It is the same amortization mathematics used for any fixed-instagram loan.
Ọ bụrụ na m na-ewere oge ogologo, ọ ga-abawanye EMI m?
Ee, ma na a ọnụ ahịa. Stretching na tenure na-abawanye na-ọ bụla ọnwa EMI n'ihi na ndị isi bụ na-ekpuchi karịa ọnwa, ma nke zuru ezu ego ego na-akwụ ụgwọ na-arịgo substantially. A obere tenure pụtara elu EMIs ma dị nnọọ ala ego.
Gịnị bụ ọdịiche dị n'etiti EMI na ego dị mfe?
EMI bụ e wuru na-ebelata-n'otu n'otu (compound) amortization, ebe ego kwa ọnwa bụ charged naanị na-abịanụ isi, nke na-apụ dị ka ị na-akwụghachi. Simple ego charges a flat rate na mbụ ego n'okporo ámá na-arụ ọrụ na-adịkarị out more expensive maka onye na-akwụ ụgwọ.
Olee otú ịkwụ ụgwọ tupu oge eruo ga-esi belata ego m na-akwụ ụgwọ EMI?
A prepayment na-aga zuru ezu na-principle, otú na-adịghị ego na-accumulates na obere ego site mgbe ahụ na. Na extra-akwụ ụgwọ field, ọbụna a modest ọnwa top-up nwere ike wepụ ọtụtụ ego off the tenure na-echekwa a nnukwu chunk nke zuru ezu ego.
Gịnị mere ka ọ bụ kasị nke m na-amalite EMI mmasị?
N'oge na-adịghị anya na ego na-abịanụ isi bụ nnukwu, ya mere na-akwụ ụgwọ akụkụ nke ọ bụla fixed EMI bụ elu na obere na-aga ka isi. Dị ka ego na-ehichapụ na-echegharị, na n'ebe nso na-agwụcha na-erughị niile nke EMI na-enye ego isi.
Ònye ga-eme ka ego ego dị elu na-ebuli EMI m?
Ya, ọkachasị na ogologo tenures. N'ihi na ego compounds n'elu ọtụtụ ọnwa, ọbụna a otu-point ọnụego elu na-eme ka a na-ahụ anya na-arịwanye elu na EMI na zuru ezu ego - tinye dị iche iche ọnụego n'elu ka ịhụ otú sensitive na-akwụ ụgwọ bụ.
API — jiri kaadị a site na kóòdù
Kpọọ kalkulata a dịka ebe ngwụcha JSON n'efu - enweghị kii achọrọ. Ziga valiu ebe ahụ n'okpuru dịka paramita ajụjụ mọọbụ JSON. Ihe ọbụla ị na-ewepụ na-eji dìfọ́ọ̀ltụ̀ nke a na-edebe ihuakwụkwọ a na ya; parameter a na-amaghị bụ 400, ọ dịghị sẽọ̀rọ̀. Gụọ ngwe ndị ahụ niile →
Ebemkpofuozi
GET https://calculator.free/api/v1/emi/curl
curl "https://calculator.free/api/v1/emi/?amount=1000000&rate=9&years=20"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/emi/?" + new URLSearchParams({
"amount": "1000000",
"rate": "9",
"years": "20"
}));
const data = await r.json();
console.log(data.results);Ihe a na-ahụta bụ n'ihi nlekọta n'ozuzu ya, ọ bụghị nlekọta ego, ọgwụ ma ọ bụ nlekọta ego.