Enter the loan amount, the annual interest rate and the tenure in months to find your equated monthly instalment (EMI), the total amount you will pay, and the total interest over the life of the loan.
How it works
The annual interest rate is divided by 12 to get the monthly rate r. The EMI formula P × r × (1+r)n ÷ ((1+r)n − 1) then spreads the loan plus interest into n equal monthly payments. Total payment is EMI × n, and total interest is total payment minus the loan amount.
Please note: this is an estimate for a reducing-balance loan at a fixed rate. Actual bank offers may include processing fees, insurance or different rate structures — always confirm with your lender before borrowing.
Before you borrow, check what you take home each month with PakPro’s Salary Tax Calculator Pakistan 2026-27, so your EMI fits comfortably within your monthly budget.