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.
Phones
2 calculatorsMobile EMI calculator: monthly EMI on any phone with down payment, exchange, card or no-cost EMI, and the interest, GST and fee you pay over 6 to 24 months.
Work out the EMI on an iPhone 18 Pro, Pro Max or any iPhone with your down payment, trade-in and card offer, and compare 12 to 36 month plans.
Electronics and appliances
5 calculatorsLaptop EMI calculator: monthly EMI on any laptop or MacBook, with down payment, no-cost EMI, card interest, GST on interest and a 6 to 24 month comparison.
Work out the monthly EMI on a television, with wall mounting and installation costs kept separate, plus a full tenure comparison.
Calculate monthly EMI on 1-ton, 1.5-ton & 2-ton air conditioners. Factor in down payment, installation, piping, and 0-cost EMI offers in seconds.
Find the EMI on a refrigerator in India after down payment and exchange value, with total interest and a comparison across 12 to 36 months.
Calculate 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.
Practical Guides & Rules
The real-world rules, bank fine-print, and formulas behind these calculations.
Is No-Cost EMI Really Free?
How no-cost EMI is funded in India, the charges that survive the offer, and how to work out whether a particular one is genuinely free.
No-Cost EMI or the Cash Discount?
Indian retailers offer either no-cost EMI or a discount for paying upfront, rarely both. How to work out which one leaves you better off.
How a Down Payment Changes Your Phone EMI
What paying part of a phone's price upfront does to the instalment and the interest, and why trading in your old phone does the same job.
iPhone 18 Pro on EMI: What It Really Costs
The instalment on an iPhone 18 Pro at Apple India's listed price, what a card EMI adds over a no-cost plan, and how trade-in changes the maths.
Also useful in this workflow
Tools that belong to other categories but are frequently referenced when making these calculations.
Enter a price and your down payment to see the financed amount, monthly EMI, total interest and total cost of the purchase, in Indian rupees.
Find the true cost of No Cost EMI offers in 5 seconds. Uncover hidden processing fees, GST, and forgone upfront cash discounts before buying.
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Browse our other collections of financial, loan, and mathematical decision tools.
Reviewed by Pradipta Ray, MBA (Finance) · Updated