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EMI計算機

月々のEMI、総利息、完全な償還スケジュールを計算。

⚠️ Not financial advice. Results are illustrative only and should not be used as the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant before acting on any figure shown.

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EMI計算ツールとは？

このEMI計算ツールの使い方

インドの一般的なローン金利（2025年）

EMIを減らす方法

EMI（均等月次返済）計算ツールは、住宅ローン、自動車ローン、個人ローンなど、あらゆるローンで毎月いくら支払うかを正確に示します。ローン金額、金利、返済期間を入力すると、月次EMI、支払利息合計、完全な返済スケジュールが即座に表示されます。

4つのレバー：(1) 頭金を増やして元金を減らす；(2) より低い金利を交渉する — 20年間で₹50ラッフのローンでも0.5%の節約で約₹3.5ラッフが浮く；(3) 返済期間を延ばす（EMIは下がるが総利息は増える）；(4) 余剰資金があるときに繰上返済する — 返済期間の早い段階で元金に充当すると最も効果的です。

  1. ローン金額をルピーで入力します（例：₹50ラッフなら50,00,000）。
  2. 年間金利を入力します（例：年率8.5%なら8.5）。
  3. 返済期間を年数または月数で入力します（例：住宅ローンなら20年）。
  4. 結果が即座に表示されます：月次EMI、支払利息合計、返済総額。
  5. 下にスクロールして完全な償却スケジュール（月ごとの明細）を確認します。
  • 住宅ローン：年率8.5〜9.5%（変動、大手銀行）
  • 自動車ローン：年率8.7〜13%
  • 個人ローン：年率10.5〜24%
  • 教育ローン：年率8.5〜15%

よくある質問

What is EMI?
EMI (Equated Monthly Instalment) is the fixed amount you pay your lender every month until the loan is fully repaid. Each EMI covers two components: interest on the outstanding principal, and a portion that reduces the principal itself. Early in the loan tenure, most of the EMI goes toward interest; as the principal reduces, more goes toward principal repayment.
How is EMI calculated?
EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ – 1), where P is the principal loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the number of monthly instalments. This is the reducing-balance method used by all banks in India.
Does a longer tenure reduce EMI?
Yes, a longer tenure means lower monthly EMI — but you pay significantly more total interest. A ₹50 lakh home loan at 8.5% for 20 years costs ~₹43 lakh in interest. The same loan for 10 years costs ~₹19 lakh in interest. Shorter tenure saves more money overall.
What is the difference between flat rate and reducing balance?
Flat rate calculates interest on the original principal throughout the tenure — it overstates the actual interest cost. Reducing balance (used by all banks and by this calculator) calculates interest only on the outstanding principal each month, which reduces as you repay. Always compare loans using reducing balance rates.
Can I prepay my loan to save interest?
Yes. Prepaying the principal reduces the outstanding balance, which reduces future interest. Most banks allow partial prepayment with little or no penalty on floating-rate loans. Use the amortization table to identify early months where prepayment has the highest impact.

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