---
title: "EMI Calculator — Home Loan, Car Loan 2026 | WorldCalculators.org"
description: "Calculate your loan EMI instantly. Compare home loan rates across India (8.5%), USA (6.5%), UK (5%), Singapore (3.2%), Japan (0.8%). Shows monthly EMI, total interest, and principal breakdown."
url: "https://worldcalculators.org/calculators/emi-calculator/"
canonical: "https://worldcalculators.org/calculators/emi-calculator/"
---

# EMI Calculator

Calculate your loan EMI instantly. Compare home loan rates across India (8.5%), USA (6.5%), UK (5%), Singapore (3.2%), Japan (0.8%). Shows monthly EMI, total interest, and principal breakdown.

## Quick answer

EMI formula: P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) where P = principal, r = monthly rate, n = months. A ₹50L loan at 8.5% for 20 years = ₹43,391/month . Same loan in Japan at 0.5% = ₹22,869/month . Japan's near-zero rates mean you pay 45% less per month than in India on the same principal.

## Frequently Asked Questions

EMI हिंदी में: EMI (समान मासिक किस्त) = मूलधन × मासिक ब्याज × (1 + मासिक ब्याज)^महीने ÷ [(1 + मासिक ब्याज)^महीने − 1]। SBI होम लोन पर ₹50 लाख, 8.5%, 20 साल = ₹43,391/माह । Hindi calculators →

Source: https://worldcalculators.org/calculators/emi-calculator/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.