EMI 计算器
计算任意贷款金额、利率和期限下的 EMI（等额月供）、应付总利息及完整还款计划。
如何使用此工具
- 1在上方字段中输入您的贷款数据。
- 2数据输入后结果实时更新。
- 3调整各项参数以对比不同还款方案。
常见问题
EMI 是如何计算的？+
EMI = P × r × (1+r)^n / ((1+r)^n − 1)，其中 P 为贷款金额，r 为月利率（年利率 ÷ 12 ÷ 100），n 为还款月数。
贷款期限越长，EMI 就越低吗？+
是的——期限越长，每月 EMI 越低，但贷款期间支付的总利息也会增加。可通过还款计划对比不同方案。
这个计算器免费吗？+
完全免费，无需注册，全程在浏览器本地运行，您的数据不会外传。
教程与深度解析
How EMI Is Calculated: Formula, Example and Amortization Explained
Learn exactly how EMI is calculated using the standard formula, a step-by-step INR example, amortization table breakdown, and how tenure and prepayment affect your loan.
7 Proven Ways to Reduce Your Home Loan EMI
Cut your home loan EMI with balance transfers, prepayments, and rate negotiation. Practical strategies with worked examples for Indian borrowers.
GST Rates in India: Slabs, CGST/SGST Split and Examples
Master India's GST slabs — 0%, 5%, 12%, 18%, 28% — with real item examples, CGST/SGST/IGST explained, and step-by-step inclusive vs exclusive tax math.
15-Year vs 30-Year Mortgage: Total Cost Compared
See exactly how much more a 30-year mortgage costs versus a 15-year on a $300k loan — monthly payments, total interest, and who should choose which.