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Loan EMI Calculator

Estimate your monthly instalment on a reducing-balance basis

Loan Amount (Nu.)

Interest Rate (% per annum)

Loan Tenure

Monthly EMI

Interest Payable

Total Payable

View amortisation schedule

Month	EMI	Principal	Interest	Balance

Figures are indicative and computed on a monthly reducing-balance method. Actual instalments may vary with the lender's rate revisions, processing charges, insurance, and rounding conventions. © Tshechu & Associates, Certified Practising Accountants, Thimphu.

Loan EMI Calculator for Bhutan

An EMI (Equated Monthly Instalment) is the fixed monthly payment that repays both principal and interest on a loan over its full tenure. This free calculator uses the monthly reducing-balance method used by banks in Bhutan, so interest each month is charged only on the outstanding balance.

Enter your loan amount, annual interest rate, and tenure to see your monthly EMI, total interest payable, and a full month-by-month amortisation schedule in Ngultrum. For example, a Nu. 1,000,000 loan at 9% over 15 years works out to roughly Nu. 10,143 per month.

Weighing a home loan, business loan, or debt restructuring? Tshechu & Associates — a Thimphu CPA firm — can help you assess affordability and financing options before you commit.