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Product EMI Calculators

EMI calculators for things you buy at a store or online, with fields for down payment, exchange value, processing fee and no-cost EMI offers.

Mobile EMI CalculatorCalculate the EMI on any mobile phone in India. Add a down payment, exchange value, card offer rate and processing fee to see the real monthly cost.iPhone EMI CalculatorWork out the EMI on an iPhone with your down payment, trade-in and card offer, and compare 12, 18, 24 and 36 month plans.iPhone 18 EMI CalculatorPlan the EMI on a base iPhone 18 before it goes on sale in India. Set your expected price, down payment and tenure to budget ahead.iPhone 18 Pro EMI CalculatorFind the EMI on an iPhone 18 Pro from Apple India's listed price, after your down payment and trade-in, with a 12 to 36 month comparison.iPhone 18 Pro Max EMI CalculatorCalculate the EMI on an iPhone 18 Pro Max in India with down payment and trade-in, and see the total interest for each tenure option.Laptop EMI CalculatorCalculate the EMI on a laptop including accessories and extended warranty, with total interest and a 12 to 36 month comparison.TV EMI CalculatorWork out the monthly EMI on a television, with wall mounting and installation costs kept separate, plus a full tenure comparison.AC EMI CalculatorCalculate the EMI on an air conditioner in India, with installation, copper piping and stabiliser costs kept separate from the financed amount.Refrigerator EMI CalculatorFind the EMI on a refrigerator in India after down payment and exchange value, with total interest and a comparison across 12 to 36 months.Washing Machine EMI CalculatorCalculate the EMI on a washing machine in India with down payment and exchange value, and see the total interest for each tenure.

Which product emi calculators should you use?

Buying a phone or an appliance on EMI is not the same as taking a loan. The tenures are short, the rate is often zero, and the real cost usually hides in the things that are not financed: the processing fee, the installation charge, the cash discount you gave up.

For electronics, start with Mobile EMI or iPhone EMI for phones, or Laptop EMI where accessories and extended warranty often land on the same invoice. For home appliances, TV, AC, refrigerator and washing machine each have their own page, because what sits outside the EMI differs: wall mounting on a television, copper piping and a stabiliser on an air conditioner.

Every page here handles exchange value the same way: it is deducted from the price before financing, exactly like a down payment, which makes it the cheapest way to reduce an instalment. Stretching the tenure is the most expensive.

If the offer in front of you says no-cost, run it through Zero Cost EMI first. It counts the fee and the discount you are giving up, which is where the cost of a free-sounding offer usually lives.

Guides for this

The questions these calculators cannot answer on their own.

All product emi calculators guides

Also useful here

These belong to another category, but people reach for them from this one.

EMI With Down PaymentEnter a price and your down payment to see the financed amount, monthly EMI, total interest and total cost of the purchase, in Indian rupees.Zero Cost EMI CalculatorSplit an Indian purchase into no-cost EMI instalments and see the real cost once the processing fee and the cash discount you give up are counted.

Reviewed by Pradipta Ray, Editor · Last updated