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Loan Tenure Calculator
Find how many months a loan lasts if you know principal, rate, and the EMI you can pay.
Last updated 2026-09-18
Estimated tenure
10 yrs 3 mo
123 months
How it works
n = log(EMI / (EMI − P × r)) / log(1 + r), where r is the monthly rate.
How to use this calculator
- Enter the inputs shown above (amount, rate, tenure, income, or other fields).
- Read the live results — they update as you type.
- Check the formula, worked example, and assumptions on this page before you decide.
Formula
n = log(EMI / (EMI − P × r)) / log(1 + r), where r is the monthly rate.
Worked example
₹20 lakh at 9% with EMI ₹25,000 lasts about 9 years 2 months.
Reading the result
Treat the output as a planning figure. Compare it with your sanction letter, payslip, or GST invoice rather than treating it as a filing or a loan offer.
See also: calculation methodology and disclaimer.
Frequently asked questions
If EMI is not larger than the first month’s interest, the balance never falls. Raise EMI or lower the rate/principal.
Assumptions and limits
- This is a planning estimate. Your lender, employer, or tax officer may use different inputs or rounding.
Results are educational estimates, not tax, legal, investment, or medical advice, and not a loan offer. Verify filings and payments with the official authority or a qualified professional.
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