1. Home
  2. Tools
  3. Reverse EMI Calculator

Reverse EMI Calculator

Start from the EMI you are comfortable paying and find the loan amount it supports. Optionally, check it against a typical income-based limit.

🔁 EMI → Loan amount• Opens straight into the full EMI schedule

Your Repayment Capacity

₹
%
Yrs
Optional — income check
₹
%
₹

Lenders typically cap total EMIs at 40–60% of net income (FOIR). Policies vary by lender.

Maximum Loan Amount
—
Total Payable
—
Total Interest
—
View full repayment schedule →

How this calculator works

  • Formula: loan amount = EMI × [(1 + r)n − 1] ÷ [r × (1 + r)n], where r = annual rate ÷ 12 and n = number of monthly EMIs. At 0% interest, loan = EMI × n.
  • This is the reverse of the standard monthly reducing-balance EMI used by Indian banks and NBFCs. No moratorium, fees or insurance are included.
  • Income check: limit = net monthly income × FOIR − existing EMIs. It is a rough guide only; each lender sets its own FOIR and eligibility rules.
  • The result is an estimate, not a loan offer or sanction.

Worked example

EMI ₹25,000 at 8.5% p.a. for 20 years (240 EMIs).
r = 8.5% ÷ 12 = 0.70833%.
Loan = 25,000 × (1.0070833240 − 1) ÷ (0.0070833 × 1.0070833240) = ₹28,80,771.
Total paid = 25,000 × 240 = ₹60,00,000, so interest ≈ ₹31,19,229.