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EMI Calculator

Estimate your loan repayments and understand your P2P loan structure easily.

Calculate your P2P Loan Repayment

Enter your loan details to estimate your repayment schedule.

Loan Principal (₹)

Loan Tenure (Months)

Interest Rate (% p.a.)

Based on your inputs, here’s your repayment schedule

Total Payment: ₹0

Total Interest: ₹0

Month	Opening Balance	Payment	Interest	Principal	Closing Balance

What is a P2P EMI Calculator?

A P2P EMI Calculator is an essential financial tool for both borrowers and investors in the Peer-to-Peer lending space. It simplifies complex calculations to show exactly how a loan will be repaid over time. For borrowers, it provides clarity on monthly cash outflows, helping in budget planning. For investors, it projects the cash flow schedule, showing when principal and interest payments will be received.

Unlike traditional bank loans which almost exclusively use standard EMIs, P2P lending offers more flexible repayment structures. This calculator is designed to handle these variations, providing a precise breakdown of Interest vs. Principal components for different repayment models.

Types of P2P Loan Repayments

P2P platforms often offer flexibility in how a loan is repaid. Our calculator supports the three most common methods:

Standard EMI

The borrower pays a fixed monthly amount consisting of both principal and interest. The loan is fully paid off by the end of the tenure. This is best for salaried borrowers with steady income.

Interest-Only

The borrower pays only the interest amount every month. The entire principal is repaid as a lump sum at the end of the tenure. This reduces monthly burden but requires a large final payment.

Bullet Repayment

No monthly payments are made. The entire principal plus the accumulated interest is paid in one single shot at the end of the loan term. This is often used for very short-term bridge loans.

Why Use the 1 Finance P2P EMI Calculator?

Accurate Planning: Whether you are taking a loan or investing, knowing the exact cash flow helps in better financial planning.
Compare Repayment Models: Instantly switch between Standard, Interest-Only, and Bullet modes to see how different structures impact monthly cash flow and total interest cost.
Visual Breakdown: Our interactive charts visualize the repayment trajectory, making it easy to see how the loan balance decreases over time (or stays constant in Interest-Only/Bullet plans).
Transparency: No hidden math. We provide a detailed month-by-month amortization schedule so you can audit every rupee.

Frequently Asked Questions

What is a P2P EMI Calculator?

A P2P EMI Calculator is a tool designed to help borrowers and investors understand the repayment schedule of a Peer-to-Peer loan. It calculates the monthly installment (EMI), total interest payable, and the total amount to be repaid based on the loan principal, interest rate, and tenure.

How is P2P EMI calculated?

P2P EMI is calculated using the standard formula for Equated Monthly Installments: E = P x r x (1+r)^n / ((1+r)^n - 1), where P is the principal loan amount, r is the monthly interest rate, and n is the loan tenure in months. This ensures a constant monthly payment composed of both principal and interest.

What is the difference between Standard EMI and Bullet Repayment?

In a Standard EMI plan, you pay a fixed amount every month which includes both principal and interest, gradually reducing the loan balance. In a Bullet Repayment plan, you typically pay only the interest (or sometimes nothing) during the loan tenure, and repay the entire principal amount in one lump sum at the end of the term.

What is an Interest-Only repayment plan?

An Interest-Only repayment plan requires the borrower to pay only the interest component every month. The principal amount remains unchanged throughout the tenure and is repaid in full as a final payment at the end of the loan term. This results in lower monthly payments but a large final obligation.