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Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer. Tide will not be responsible for any discrepancy in the loan calculations and does not accept any liability for loss, which may be attributable to the reliance on and use of this calculator. You should always check directly with a lender to confirm the final offer and repayment amounts before selecting a financial product.

₹51,090.00
₹4,257.50
₹90.83
₹1,090.00
12 Months

Calculations are indicative only and intended as a guide only. The figures calculated are not a statement of the actual repayments that will be charged on any actual loan and do not constitute a loan offer. Tide will not be responsible for any discrepancy in the loan calculations and does not accept any liability for loss, which may be attributable to the reliance on and use of this calculator. You should always check directly with a lender to confirm the final offer and repayment amounts before selecting a financial product.

Apply for a loan today

What the Loan Calculator Does

What the Loan Calculator Does

Whether you're planning a personal loan, home loan, or business loan, our EMI Calculator gives you a clear breakdown of your monthly payments, total interest, and overall loan cost. It’s an essential tool for anyone looking to check their credit score and plan finances wisely, especially if you’re aiming for a good credit score or a better credit limit.

Our EMI calculator helps you:

  • Know your monthly repayment amount (EMI)

  • Understand total interest payable

  • Compare options and stay within budget

All it takes is 3 inputs: Loan Amount, Interest Rate, and Tenure. That’s it.

Why Choose Our Calculator

No sign-ups, no delays

Accurate and RBI-compliant

Works on desktop and mobile

Calculate now

Why EMI Planning Matters

Why EMI Planning Matters

Your credit score can affect your loan eligibility, interest rates, and even approval time. 

A well-calculated EMI gives you:

1. Confidence in repayment 2. Control over your budget 3. Boost your business credit score 4. Avoid negative reports on your credit bureau report

Better chances of loan approval

 Check your EMI now

How It Works

How It Works

We follow a standard formula to calculate EMIs:

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

Where: P = Principal R = Monthly interest rate N = Loan tenure in months

But don’t worry, we do the math for you.

 Check your EMI now

Things That Affect Your EMI

Loan Amount

Larger amount means higher EMI

Interest Rate

Even small changes impact repayment

Tenure

Longer term means lower EMI but more interest

Start Planning Smart Today

Start Planning Smart Today

Know your EMI before you borrow. Try our free calculator now.

 Calculate now Apply for a loan today

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This website is provided to you by Tide Platform Private Limited, part of the Tide Group. Tide is not a bank and does not hold or claim to hold a banking license. Tide is a business financial platform and the leading digital challenger in business banking services. We believe that a platform approach is the future of business banking, allowing us to offer both financial and admin services to Small and Medium Enterprises, saving them time (and money) to allow them to focus on what they love: running their businesses. *Group Insurance may be offered as part of services offered by our engaged partners. Tide, the Tide logo, the Swell, and Do less banking are trademarks and trade names of the Tide Group, and may not be used or reproduced without the consent of the owner.