Credit Card EMI Calculator

Calculate precise EMIs, understand GST impact, and analyze total costs with bank-level accuracy.

Purchase Amount (₹) Total transaction amount.

Down Payment (₹) (Optional)

Interest Rate (% p.a.)

Tenure (Months)

Calculation Method Credit Card EMIs follow Reducing Balance.

GST Rate (%) Applies to Interest, Processing Fee, and Penalties.

Include Processing Fee

Fee Value

Fee Type

Include Foreclosure

Closure Month

Penalty (%)

Include Late Payment

Late Fee Amount (₹)

Total Credit Limit (₹) Helps evaluate the impact on your credit score.

Monthly EMI ₹0

Total Cost to Customer ₹0

Total Interest ₹0

Total GST Paid ₹0

Upfront Charges (Inc. GST) ₹0

Net Extra Cost ₹0

Enter your details and click calculate to view insights.

Month	Base EMI	Principal	Interest	GST on Interest	Total Monthly Bill	Remaining Balance
Click calculate to view schedule