Loans & Debt · Before Taking a Loan

Target Tenure EMI Planner

Find the EMI required to pay off a loan within a specific number of years, and compare the EMI/interest trade-off across different tenures.

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Currency

Loan Amount

Annual Interest Rate

Target Tenure

years

Your result Live

Required EMI for 10-Year Payoff

₹48,531

Total Interest: ₹18,23,725
Total Repayment: ₹58,23,725

EMI vs. Interest Across Different Tenures

7 rows

Tenure	Required EMI	Total Interest
5 years	₹81,106	₹8,66,335
7 years	₹62,345	₹12,36,968
10 years ★	₹48,531	₹18,23,725
15 years	₹38,226	₹28,80,695
20 years	₹33,458	₹40,29,825
25 years	₹30,873	₹52,61,795
30 years	₹29,351	₹65,66,210

A shorter tenure means a higher EMI but significantly less total interest paid. A longer tenure lowers the EMI but increases the total interest cost.

How this is calculated

This uses the same EMI formula as a standard loan calculation, just framed around your target payoff date instead of a fixed tenure the bank offers. The comparison table shows the fundamental EMI-vs-interest trade-off: choosing a shorter tenure is one of the most effective ways to reduce total interest paid, provided the higher EMI is affordable.