Loan EMI calculator for Pakistan: car, home, personal
The default rate is the SBP policy rate (12%) plus a spread you can edit. This is an estimate, not a bank offer.
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Monthly EMI at 15.00%
Rs 71,370
Total interest: Rs 1,282,187 · Total repayment: Rs 4,282,187
Amortisation table
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | 33,870 | 37,500 | 2,966,130 |
| 2 | 34,293 | 37,077 | 2,931,837 |
| 3 | 34,722 | 36,648 | 2,897,115 |
| 4 | 35,156 | 36,214 | 2,861,959 |
| 5 | 35,595 | 35,774 | 2,826,364 |
| 6 | 36,040 | 35,330 | 2,790,324 |
| 7 | 36,491 | 34,879 | 2,753,833 |
| 8 | 36,947 | 34,423 | 2,716,886 |
| 9 | 37,409 | 33,961 | 2,679,478 |
| 10 | 37,876 | 33,493 | 2,641,601 |
| 11 | 38,350 | 33,020 | 2,603,251 |
| 12 | 38,829 | 32,541 | 2,564,422 |
Policy rate as of 2026-10-26. SBP policy rate and KIBOR
Questions readers ask
FAQEMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the loan amount, r the monthly rate (annual rate ÷ 12) and n the number of months. The calculator uses exactly this reducing-balance formula.