How is EMI calculated?

EMI is calculated from the principal, annual interest rate and tenure. This tool uses the standard amortization formula and shows monthly EMI and interest breakdown.

Can I export the amortization schedule?

Yes — run the advanced calculation and click 'Export CSV' to download the amortization schedule for use in Excel or Google Sheets.

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Loan Calculator — Smart & Advanced | Growkick

Use Growkick's Smart Loan Calculator to estimate EMI, total interest and to view a full amortization schedule. Test extra monthly payments or one-time lumpsums to see how quickly you can repay your loan.

Sample calculation (default):

Example: ₹500,000 @ 8.5% for 60 months — Monthly EMI: ₹ 10,258.27

Smart Loan Calculator

Loan amount / Principal (₹)

Annual interest rate (%)

Tenure

Monthly EMI

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Total Payment

—

Total Interest

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About Growkick Tools

Growkick builds practical browser-based utilities for Indian businesses — GST calculators, EMI planners, QR tools and more. tools.growkick.in is a free toolbox for shop owners and small teams.

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Smart & Advanced Loan Calculator