EMI Kalkulator
Tixraac xisaabta la mid ah bishii (EMI) ee deynta.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Waa maxay foomka EMI?
EMI = P × i × (1 + i) ^n ÷ ((1 + i) ^n − 1), halkaas oo P waa kan ugu weyn, i qiimaha bil kasta (sano kasta ÷ 12 ÷ 100) iyo n tirada bilood. Waa xisaabaadka la mid ah amortization loo isticmaalo amaah kasta oo go'an-qayb.
Ma mudada dheer ee ka yar hoos u EMI?
Haa, laakiin qiimaha. Jiidashada xilka hoos u EMI bil kasta sababtoo ah waxa ugu weyn waa in ay kala firdhiso bilood badan, weli dakhliga guud ee la bixiyo si aad ah u kor u kaca. A xilka yar ka dhigan tahay EMIs sare laakiin aad u yar dakhliga.
Waa maxay farqiga u dhexeeya EMI iyo faa'iido fudud?
EMI waxaa lagu dhisay hoos u-dhigga-dhismaha (dhalan) amortization, halkaas oo faa'iido bil kasta waxaa lagu soo rogay oo kaliya ee lacagta aasaasiga ah ee ka maqan, taas oo hoos u dhaca sida aad ku soo celiyo. faa'iido fudud ku xadgudba qiimaha caadiga ah ee lacagta asalka ah oo dhan iyo caadi ahaan u shaqeeyaan ka badan oo ka qaalisan ee lacagta la siiyo.
Sidee ayaa lacagta hore u bixiyo hoos u EMI deyntayda?
A ka hor-bixinta dhan u socdaa si ay u aasaasiga ah, sidaas daraaddeed in ka yar faa'iido ku soo kordha ee miisaaniyadda yar ka dibna. In the extra-bixinta field, xitaa mid aad u yar bil kasta top-up waxaa laga yaabaa in ay gooyo qaar ka mid ah qaybaha off hantida iyo badbaadin qayb weyn oo faa'iido guud.
Maxaa ka badan ee aan hore EMI dareen?
Hore ee deynta waa weyn, sidaas daraaddeed qaybta faa'iido ee EMI kasta oo go'an waa sare oo yar u socdaa si ay u aasaasiga ah. Sida miisaanka hoos u kala qaybsan, iyo xagga dhamaadka in ka badan oo dhan oo ka mid ah EMI kastaa waa lacagta aasaasiga ah.
Ma heerka faa'iido sare kor u qaadi doonaa EMI a badan?
Waa yaab, gaar ahaan ku saabsan muddo dheer. Sababtoo ah faa'iido isku darka ka badan bilood badan, xitaa hal-dhibcood oo kor u qaado si aad u muuqato kordhiya labadaba EMI iyo faa'iido guud - ku dar sicirka kala duwan kor ku si aad u aragto sida ay u nugul tahay lacag bixinta waa.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.