Loan Tenure Calculator
How many months it will take to repay a loan at the EMI you can afford, and the total interest you'll pay.
Time to repay
—
Number of EMIs—
Total interest—
How to use the Loan Tenure calculator
- Enter loan amount, interest rate and eMI you can pay.
- Read the time to repay at the top of the result, with number of EMIs, 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
Works the EMI formula backwards. If the EMI is too small to cover the monthly interest, the loan would never be repaid, and the calculator tells you the minimum EMI needed.
Worked example
With loan amount of ₹10,00,000, interest rate of 10% and emi you can pay of ₹25,000:
| Time to repay | 4 yrs 1 mo |
| Number of EMIs | 49 |
| Total interest | ₹2,21,469 |
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 do I calculate loan tenure from EMI?
n = −log(1 − P·r ÷ EMI) ÷ log(1 + r), where r is the monthly rate.
What is the minimum EMI for a loan?
It must be more than one month's interest (P × annual rate ÷ 1200), or the balance never falls.