EMI calculator
Estimate equal monthly payments for a fixed-rate loan.
Your estimate
- Principal
- BDT 500,000.00
- Total interest
- BDT 97,857.58
- Total repayment
- BDT 597,857.58
Results update as you change the numbers.
Loan balance over time
Remaining loan balance · BDT
Yearly breakdown (BDT)
Open a year to see its monthly payments.
Year 1Date of Start: —
Date of End: —Principal paidBDT 147,207.78Interest paidBDT 52,078.08Balance leftBDT 352,792.22
| Month | Date of Start | Date of End | Payment | Principal paid | Interest paid | Balance left |
|---|---|---|---|---|---|---|
| 1 | — | — | BDT 16,607.15 | BDT 11,607.15 | BDT 5,000.00 | BDT 488,392.85 |
| 2 | — | — | BDT 16,607.15 | BDT 11,723.23 | BDT 4,883.93 | BDT 476,669.62 |
| 3 | — | — | BDT 16,607.15 | BDT 11,840.46 | BDT 4,766.70 | BDT 464,829.16 |
| 4 | — | — | BDT 16,607.15 | BDT 11,958.86 | BDT 4,648.29 | BDT 452,870.30 |
| 5 | — | — | BDT 16,607.15 | BDT 12,078.45 | BDT 4,528.70 | BDT 440,791.84 |
| 6 | — | — | BDT 16,607.15 | BDT 12,199.24 | BDT 4,407.92 | BDT 428,592.61 |
| 7 | — | — | BDT 16,607.15 | BDT 12,321.23 | BDT 4,285.93 | BDT 416,271.38 |
| 8 | — | — | BDT 16,607.15 | BDT 12,444.44 | BDT 4,162.71 | BDT 403,826.94 |
| 9 | — | — | BDT 16,607.15 | BDT 12,568.89 | BDT 4,038.27 | BDT 391,258.05 |
| 10 | — | — | BDT 16,607.15 | BDT 12,694.57 | BDT 3,912.58 | BDT 378,563.48 |
| 11 | — | — | BDT 16,607.15 | BDT 12,821.52 | BDT 3,785.63 | BDT 365,741.96 |
| 12 | — | — | BDT 16,607.15 | BDT 12,949.74 | BDT 3,657.42 | BDT 352,792.22 |
Year 2Date of Start: —
Date of End: —Principal paidBDT 165,877.41Interest paidBDT 33,408.45Balance leftBDT 186,914.82
| Month | Date of Start | Date of End | Payment | Principal paid | Interest paid | Balance left |
|---|---|---|---|---|---|---|
| 13 | — | — | BDT 16,607.15 | BDT 13,079.23 | BDT 3,527.92 | BDT 339,712.99 |
| 14 | — | — | BDT 16,607.15 | BDT 13,210.03 | BDT 3,397.13 | BDT 326,502.97 |
| 15 | — | — | BDT 16,607.15 | BDT 13,342.13 | BDT 3,265.03 | BDT 313,160.84 |
| 16 | — | — | BDT 16,607.15 | BDT 13,475.55 | BDT 3,131.61 | BDT 299,685.29 |
| 17 | — | — | BDT 16,607.15 | BDT 13,610.30 | BDT 2,996.85 | BDT 286,074.99 |
| 18 | — | — | BDT 16,607.15 | BDT 13,746.40 | BDT 2,860.75 | BDT 272,328.59 |
| 19 | — | — | BDT 16,607.15 | BDT 13,883.87 | BDT 2,723.29 | BDT 258,444.72 |
| 20 | — | — | BDT 16,607.15 | BDT 14,022.71 | BDT 2,584.45 | BDT 244,422.01 |
| 21 | — | — | BDT 16,607.15 | BDT 14,162.93 | BDT 2,444.22 | BDT 230,259.07 |
| 22 | — | — | BDT 16,607.15 | BDT 14,304.56 | BDT 2,302.59 | BDT 215,954.51 |
| 23 | — | — | BDT 16,607.15 | BDT 14,447.61 | BDT 2,159.55 | BDT 201,506.90 |
| 24 | — | — | BDT 16,607.15 | BDT 14,592.09 | BDT 2,015.07 | BDT 186,914.82 |
Year 3Date of Start: —
Date of End: —Principal paidBDT 186,914.82Interest paidBDT 12,371.04Balance leftBDT 0.00
| Month | Date of Start | Date of End | Payment | Principal paid | Interest paid | Balance left |
|---|---|---|---|---|---|---|
| 25 | — | — | BDT 16,607.15 | BDT 14,738.01 | BDT 1,869.15 | BDT 172,176.81 |
| 26 | — | — | BDT 16,607.15 | BDT 14,885.39 | BDT 1,721.77 | BDT 157,291.42 |
| 27 | — | — | BDT 16,607.15 | BDT 15,034.24 | BDT 1,572.91 | BDT 142,257.18 |
| 28 | — | — | BDT 16,607.15 | BDT 15,184.58 | BDT 1,422.57 | BDT 127,072.60 |
| 29 | — | — | BDT 16,607.15 | BDT 15,336.43 | BDT 1,270.73 | BDT 111,736.17 |
| 30 | — | — | BDT 16,607.15 | BDT 15,489.79 | BDT 1,117.36 | BDT 96,246.38 |
| 31 | — | — | BDT 16,607.15 | BDT 15,644.69 | BDT 962.46 | BDT 80,601.68 |
| 32 | — | — | BDT 16,607.15 | BDT 15,801.14 | BDT 806.02 | BDT 64,800.55 |
| 33 | — | — | BDT 16,607.15 | BDT 15,959.15 | BDT 648.01 | BDT 48,841.40 |
| 34 | — | — | BDT 16,607.15 | BDT 16,118.74 | BDT 488.41 | BDT 32,722.66 |
| 35 | — | — | BDT 16,607.15 | BDT 16,279.93 | BDT 327.23 | BDT 16,442.73 |
| 36 | — | — | BDT 16,607.15 | BDT 16,442.73 | BDT 164.43 | BDT 0.00 |
Payments include principal and interest. Final partial years are labeled. Values are rounded for display. Enter Date of Start above to show period dates.
Currency sets the display unit; amounts are not converted. Example rates only. Enter your bank’s rate. Estimates exclude fees and assume monthly reducing-balance payments.
Formula, example & assumptions
Behind the answer
How it works
P is the loan amount, r is the annual nominal percentage rate divided by 1,200, and m is the number of months. At zero interest, the payment is P divided by m. Total paid is payment × m; interest is total paid minus P.
A worked example
A 100,000 loan at 12% nominal annual interest over 12 months has an estimated monthly payment of 8,884.88. Before payment rounding, total interest is approximately 6,618.55.