Loan Amount Calculator
The loan you can take for the EMI you can afford, at a given interest rate and tenure.
Loan amount
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Total repayment—
Total interest—
How to use the Loan Amount calculator
- Enter eMI you can afford, interest rate and tenure.
- Read the loan amount at the top of the result, with total repayment, total interest underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
Start from the EMI your budget allows rather than the loan a lender offers. This is the safer way to size a home or car loan.
Formula: P = EMI × ((1+r)^n − 1) ÷ (r·(1+r)^n)
Worked example
With emi you can afford of ₹30,000, interest rate of 9% and tenure of 20 years:
| Loan amount | ₹33,34,349 |
| Total repayment | ₹72,00,000 |
| Total interest | ₹38,65,651 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
How much EMI can I afford?
A common guideline is to keep all EMIs under 40% of take-home pay, leaving room for savings and emergencies.
Does a longer tenure increase how much I can borrow?
Yes, but with sharply higher total interest. Compare the total repayment line.