Free EMI Calculator

Calculate EMIs for home, car, or bike loans. Compare normal vs step-up EMIs. Completely free to use.

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Loan Amount (₹) Annual Interest Rate (%) Loan Tenure (Years) Annual Step-Up in EMI (%)

Step-Up EMI increases your monthly payment gradually each year. As a result, total interest paid may increase slightly compared to a fixed EMI, but it can help manage cash flow and match salary growth. Results are indicative only.