EMI / Loan Calculator
An EMI and loan calculator that shows the monthly instalment and a full amortisation breakdown the moment the numbers change.
Project snapshot
- Starting at
- ₹5,000$70
- Delivery
- 3 days
- Status
- Live
- Tech stack
- React
Instant
Result
Amortisation
Shows
Schedule
Export
3 days
Delivery
Overview
EMI / Loan Calculator computes the monthly instalment for any loan from three inputs — amount, interest rate, and tenure — and breaks each payment into principal and interest across the full schedule.
It is built for borrowers comparing loan offers and for lenders, brokers, and finance sites that want an accurate, embeddable calculator with no backend to maintain.
The problem
Loan quotes rarely show what a borrower actually pays over time. This calculator turns rate and tenure into a clear monthly figure and a month-by-month amortisation, so the true cost of a loan is obvious before signing.
Who it's for
- Borrowers comparing home, car, or personal loan offers.
- Brokers and finance advisors illustrating repayment to clients.
- Finance websites that want an accurate embedded calculator.
Features
Live EMI calculation
The monthly instalment recalculates instantly as loan amount, interest rate, or tenure change.
Principal / interest split
Each instalment is broken into how much clears the principal versus interest, over the whole term.
Tenure slider
A slider lets the user see how a shorter or longer term changes the monthly payment and total interest.
Amortisation schedule
A full month-by-month table shows the running balance, so the payoff path is completely transparent.
Export
The schedule can be exported for records or to share with a client.
User stories
- As a borrower, I want to see my monthly EMI so that I know whether a loan fits my budget.
- As a borrower, I want to compare tenures so that I can balance monthly cost against total interest.
- As an advisor, I want an amortisation table so that I can show a client exactly how the loan is repaid.
- As a user, I want to export the schedule so that I can keep or share it.
User flow
- 1
Enter loan details
The user inputs amount, interest rate, and tenure.
- 2
Read the EMI
The monthly instalment and total interest display immediately.
- 3
Adjust tenure
The slider updates the figures live to compare scenarios.
- 4
Export schedule
The full amortisation table is exported for records.
Architecture
A client-side single-page app with no backend. The EMI formula and the amortisation schedule are computed in the browser, so it deploys as static files and costs almost nothing to run.
Outputs are derived from the three inputs with pure functions, keeping the on-screen figures and the exported schedule perfectly consistent.
Tech stack
Data model
Build plan
Day 1 — Formula & inputs
1 dayEMI calculation, input form, live result.
Day 2 — Amortisation & slider
1 dayFull schedule table and tenure slider.
Day 3 — Export & polish
1 daySchedule export, responsive layout, QA.
Deliverables
- Deployed EMI / loan calculator web app.
- Full source code with a README.
- Amortisation schedule with export.
- Responsive, embeddable UI.
Integrations
- None required — fully client-side.
- Optional: embed on an existing website as a widget.
FAQ
Does it show the full repayment schedule?
Yes. A month-by-month amortisation table shows principal, interest, and the running balance.
Can it be embedded on my site?
Yes. It is self-contained and can be embedded as a widget on an existing website.
Does it handle different rate types?
Standard reducing-balance EMI ships by default; step-up or variable rates can be added as a scope extension.
Want EMI / Loan Calculator built for you?
Share your requirements and CodersArts Build will scope it into a fixed timeline and price, starting at ₹5,000.
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