EMI Tenure Calculator
Find out how long a loan will actually take to close at an EMI you choose — or work backwards from a payoff goal.
Principal vs Interest, year by year
Hover or tap a year to see the exact principal / interest / balance split. Grouped by year — expand a year in the table below for the month-by-month breakdown.
Goal-seek: debt-free in 5 years
To close this loan in exactly 5years, you’d need to pay:
Two ways to think about tenure
Most loan calculators only work one way: you pick a tenure, they tell you the EMI. This calculator works both directions. If you already know what EMI fits your budget, it tells you how long the loan will realistically take to close. If instead you have a target — “I want this loan gone in 5 years” — the goal-seek panel tells you exactly what EMI that requires.
Common mistake
Setting an EMI that barely covers the monthly interest means the loan technically never closes — your balance stops shrinking. This is more common than it sounds on high-rate personal loans and credit card EMI conversions; this calculator flags it explicitly instead of showing a nonsensical result.