Credit Card EMI Calculator

How this works

Calculate EMI on credit card purchases.

Note: This EMI calculator excludes the processing fee (1–2% of principal, charged upfront) and GST on the interest component (18%). For the all-in cost, add the processing fee to the principal before running the calculator.

The calculator takes 3 inputs (principal, interest rate (% pa), tenure (months)) and produces 2 outputs (monthly emi, total interest). All formulas are published below — no hidden assumptions, no sign-up wall, no data sent to a server.