I-Calculator
Bala i-equivalent monthly instalment (EMI) nganoma iyiphi inkokhelo.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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.
Imibuzo ebuzwa kaningi
Yini ifomu le-EMI?
EMI = P × i × (1 + i) ^n ÷ ((1 + i) ^n − 1), lapho P kuyinto eyinhloko, i yisilinganiso sonyaka (ngonyaka ÷ 12 ÷ 100) kanye n inani lenyanga. Kuyinto efanayo amortization mathematics kusetshenziswa noma iyiphi i-fixed-instantanea imali engenayo.
Ingabe ukuqhubeka komsebenzi kuthatha isikhathi eside ukunciphisa i-EMI yami?
Yebo, kodwa ngemali. Ukunquma isikhathi sokuhlala kuphansi i-EMI ngayinye enyakazayo ngoba i-inkontileka ihlukaniswe ngamasonto amaningi, kodwa inani eliphelele lenzuzo ekhokhwa likhuphuka kakhulu. Ukuhlala isikhathi esincane kusho i-EMI ephakeme kodwa inzuzo encane.
Yini ushintsho phakathi kwe-EMI nenzuzo elula?
EMI ikhiwa ngokunciphisa-izimali (compound) amortisation, lapho intshisekelo ngayinye ngenyanga ikhokhwa kuphela ku-ekhona inhloko, okuyinto idlula njengoba ukhokha. Intshisekelo elula ikhokhisa inani flat ku-imali yakudala yonke futhi ngokuvamile isebenza ngaphandle ngaphezu impahla ebiza kakhulu kulowo okhokhelwa.
Ingabe ukukhokha kuqala kuncanelisa kanjani imali engenayo yami?
Imali ekhokhelwa ngaphambili ihamba yonke into ku-principal, ngakho-ke inkokhelo encane ifinyelela ku-balance encane kusukela lapho. Ezindaweni zokukhokha ezingeziwe, ngisho ne-top-up encane yenyanga ingakhuphula izikhokhi eziningi ngaphandle kwe-tenure futhi igcine i-chunk enkulu yenzuzo ephelele.
Kungani ingxenye enkulu yemali yami eqaleni ye-EMI ikhokhwa?
Esikhathini esidlule ku-loan inhloko-dolobha ekhona enkulu, ngakho intengo yengxenye ngayinye EMI eqinile iphakeme futhi encane ihamba inhloko-dolobha. Njengezinga lokulinganisela linciphisa i-flips ehlukanisiwe, futhi ekugcineni cishe zonke EMI ngayinye ikhokhela inhloko-dolobha.
Ingabe inani eliphakeme lenzuzo lizonyusa kakhulu i-EMI yami?
Yebo, ikakhulukazi ezifundweni ezide. Ngenxa yokuthi inkokhelo ihlanganisa izinsuku eziningi, ngisho nezinga eliphakeme le-point likhuphuka ngokuphawulekayo likhuphula i-EMI kanye nezinga eliphelele le-interest — faka ama-rates ahlukene phezulu ukuze ubone ukuthi inkokhelo i sensitive kangakanani.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.