Full breakdown of every payment — principal vs interest each month.
Pay extra each month and see how much interest you save.
Enter rates from two banks — we'll show which saves you more.
Uncover the hidden interest in "0% EMI" product offers.
A free, fast, and accurate EMI calculator built for real people making real financial decisions.
emi-elly was built with a single goal: to give every borrower access to a powerful, completely free loan planning tool — no signup, no distractions, no hidden agenda.
Financial clarity should be free. Before taking any loan, you deserve to know exactly what you're signing up for — the total interest you'll pay, whether the loan fits your income, and how prepayments can save you money.
All calculations use the standard EMI formula used by Indian banks and RBI-regulated NBFCs:
Results are accurate for fixed-rate loans. For floating-rate loans, actual EMIs may change as rates adjust.
emi-elly is an independent financial calculator. We are not a bank, NBFC, or financial advisor. All results are for informational and planning purposes only. Actual loan terms, EMIs, fees, and interest rates are determined by your chosen lender. Always verify with your bank before making any financial decision.
For questions, suggestions, or feedback, reach us at: support@emielly.com
We are committed to protecting your privacy. No data is collected, stored, or sold.
emi-elly does not require registration or login. We do not collect personally identifiable information. All calculator inputs — loan amount, rate, tenure, income — are processed entirely in your browser and never sent to any server.
We may collect standard anonymous usage data through Google Analytics (pages visited, device type, geographic region at state level). This data is aggregated and cannot identify individual users.
You can control or disable cookies through your browser settings at any time.
Your financial data never leaves your device. We do not store any calculation results.
For privacy-related questions: privacy@emi-elly.in