Loans & EMI

EMI Calculator

কিস্তি ক্যালকুলেটর

Work out your monthly installment, total interest and total payment for a reducing-balance loan.

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Tenure unit

Assumptions used

  • Interest is on a reducing balance (the standard bank method) — each EMI pays interest on the outstanding amount plus some principal.
  • The EMI is fixed for the whole tenure and paid monthly.
  • The rate entered is the nominal annual rate; the monthly rate is rate ÷ 12.
  • Processing fees, early-settlement charges and any insurance are not included.

Good to know

Reducing balance vs flat rate

Banks usually quote a reducing-balance rate. Some lenders quote a lower-looking ‘flat’ rate instead — which costs much more. Use the Flat-Rate Loan calculator to see a flat quote's true cost.

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Flat-Rate Loan Calculator

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See a flat / add-on rate loan's true cost — EMI plus the equivalent reducing-balance rate.

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DPS Calculator

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Estimate the maturity and interest of a monthly Deposit Pension Scheme — or solve for the rate.

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Sanchayapatra Calculator

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Returns, quarterly profit and source tax for all Bangladesh Sanchayapatra certificates.

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Frequently asked questions

How is EMI calculated?

EMI = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan amount, r is the monthly interest rate (annual ÷ 12 ÷ 100) and n is the number of months.

Does a longer tenure reduce my EMI?

Yes, a longer tenure lowers the monthly EMI but increases the total interest you pay over the life of the loan.

Results are estimates for general guidance only and are not financial advice. Rates, tax rules and product terms change — always confirm the latest figures with your bank or Bangladesh Bank / National Savings before making a decision.