Loan Repayment (EMI) Calculator
Work out the monthly instalment, total interest and total repayment for any reducing-balance loan.
Monthly instalmentRM 2,445.09
Total interestRM 380,230.91
Total repaymentRM 880,230.91
Reducing-balance (amortising) method.
How to use
- Enter loan amount, annual interest rate and tenure in years.
- Read your monthly instalment and total interest.
Frequently asked questions
Is this reducing-balance or flat-rate?
It uses the reducing-balance (amortising) formula, which is how most Malaysian housing and personal loans work. Car hire-purchase often uses flat rate — use the car loan tool for that.
Last reviewed: 2026-01-01