Nepal EMI Calculator
नेपाल ईएमआई क्याल्कुलेटर
Calculate monthly loan instalments, total interest and a full amortization schedule.
Calculate the monthly EMI for a home, auto, personal or business loan in Nepal. Enter the amount, annual interest rate and tenure to see the instalment, total interest and a month-by-month repayment schedule.
- Principal
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- Total interest
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- Total payment
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- Number of instalments
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Amortization schedule
How each instalment splits between interest and principal.
| Month | Interest | Principal | Balance |
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About the Nepal EMI calculator
An Equated Monthly Instalment (EMI) is the fixed amount you repay each month on a loan, covering both the interest for that month and a slice of the principal. This calculator works out the EMI for any loan amount, annual interest rate and tenure, and builds a full amortization schedule so you can see how each payment divides between interest and principal over the life of the loan. It suits home loans, auto loans, personal loans, education loans and business financing offered by Nepali banks and finance companies.
How EMI is calculated
The formula is EMI = P × r × (1 + r)^n ÷ [(1 + r)^n − 1], where P is the principal, r is the monthly interest rate (the annual rate divided by twelve) and n is the number of monthly instalments. Early in the loan most of each instalment goes towards interest; later, more goes towards principal. The month-by-month schedule makes that shift visible.
Choosing a tenure
A longer tenure lowers the monthly EMI but increases the total interest you pay, because interest accrues for more months. A shorter tenure raises the EMI but saves interest overall. Compare a few tenures before committing, and remember that many Nepali loans are priced on a floating base rate that resets periodically.
All figures update instantly and stay in your browser.