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.
Learn more
- How reducing-balance loan instalments (EMI) work in Malaysia
- DSR explained: how much loan you can actually get in Malaysia
- Refinancing a home loan in Malaysia: costs, lock-in & break-even
- Flexi vs semi-flexi vs term home loan: which actually saves interest
- OPR & SBR: how rate changes move your home loan instalment
- PTPTN repayment: the 1% ujrah, discounts & why it's your cheapest debt
- MRTA vs MLTA: which mortgage insurance actually fits your home loan
- CCRIS & CTOS: how to check and fix your credit report
- Credit card interest & the 5% minimum payment trap
Last reviewed: 2026-09-19