Loan Tenure Calculator
Find out exactly how long it will take to repay your loan based on your desired monthly EMI amount.
Loan Details
₹
Total loan amount (principal)%
Annual interest rate₹
Minimum EMI must exceed ₹7,085Quick EMI Options
Common tenure options for ₹10,00,000 at 8.5% p.a.
📊
Enter loan details and desired EMI to calculate tenure
About Loan Tenure Calculator
Instead of finding your EMI for a fixed tenure, this calculator works in reverse — you tell it how much EMI you can afford, and it tells you exactly how long the loan will take.
Tenure Formula
N = −ln(1 − P×r/EMI) / ln(1+r)
- N — Tenure in months
- P — Principal loan amount
- r — Monthly interest rate (Annual ÷ 12 ÷ 100)
- EMI — Your desired monthly installment
Important Rules
- Your EMI must be higher than the monthly interest on the full principal (otherwise the loan never reduces).
- Higher EMI = shorter tenure = less total interest paid.
- Use the "Quick EMI Options" table to see standard EMIs for common tenures.
How to Use
- Enter your loan amount and interest rate.
- Enter the EMI you can comfortably afford each month.
- The calculator instantly shows how many months your loan will last.
- Use the tenure impact table to compare different EMI levels.