A free, ad-free loan calculator built with care.
AutoEMI is the premium, privacy-first EMI calculator for Home, Personal, and Car loans. No signup, no tracking, no ads — just the math, instantly.
Clarity over clutter.
Most loan calculators on the web are cluttered with lead-capture forms, sponsored placements, and ads disguised as content. We built AutoEMI to be different — a clean, fast, ad-free tool that gives you the exact monthly EMI, total interest, and full amortization schedule the moment you type a value.
Every keystroke updates the math in real time. You can switch between Home, Personal, and Car loan presets, simulate monthly or one-time prepayments, and check your loan eligibility using the industry-standard 50% FOIR rule. There is no submit button, no account, and no popup asking for your phone number.
We built AutoEMI for two groups of people: first-time borrowers who want to understand what they are signing up for, and seasoned borrowers planning prepayments or comparing offers. The tool works equally well for a 30-year mortgage in the US, a 20-year home loan in India, and a 5-year car loan anywhere in between.
Four tools, one page.
Every calculator runs locally in your browser — your numbers never leave your device.
- EMI CalculatorMonthly installment, total interest, and full amortization.
- EMI CalculatorMonthly installment, total interest, and full amortization.
- EMI CalculatorMonthly installment, total interest, and full amortization.
- EMI CalculatorMonthly installment, total interest, and full amortization.
EMI Calculator
Monthly installment, total interest, and full amortization.
EMI Calculator
Monthly installment, total interest, and full amortization.
EMI Calculator
Monthly installment, total interest, and full amortization.
EMI Calculator
Monthly installment, total interest, and full amortization.
What you can always expect from us.
Four commitments that shape every decision we make on this site.
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Standard formulas, transparent results.
AutoEMI uses the same EMI and amortization formulas used by banks and NBFCs. No proprietary magic, no rounding tricks.
- P Principal
- R Monthly rate
- N Months
EMI formula
P is the principal loan amount, R is the monthly interest rate (annual rate ÷ 12 ÷ 100), and N is the total number of monthly installments.
FOIR-based eligibility
Most lenders cap the share of your net monthly income that goes toward EMIs at 50%. We use that cap to reverse-calculate the maximum loan amount you qualify for.
We would love to hear from you.
Suggestions, bug reports, or just feedback — drop us a line.