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Loan Tenure Calculator

Find how long it takes to repay a loan at a chosen EMI.

Last updated: 20 Aug 2026

Quick answer

Given the loan, EMI and rate, the tenure is n = ln(EMI ÷ (EMI − P×i)) ÷ ln(1+i), where i is the monthly rate. Your EMI must be more than the monthly interest, or the loan never reduces. Enter your loan, EMI and rate above.

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Find the repayment period for a loan at a chosen EMI: tenure = ln(EMI ÷ (EMI − P×i)) ÷ ln(1+i), where i is the monthly interest rate. A higher EMI shortens the tenure.

How to calculate loan tenure

  1. 1 Enter the loan amount and interest rate.
  2. 2 Enter the EMI you plan to pay.
  3. 3 We compute the number of years to repay.

Frequently asked questions

How is loan tenure calculated?
From the EMI formula, tenure n = ln(EMI ÷ (EMI − P×i)) ÷ ln(1+i), where i is the monthly interest rate.
What if my EMI is too low?
If the EMI is less than the monthly interest, the balance never reduces — increase the EMI.
Does a higher EMI save interest?
Yes — a higher EMI shortens the tenure and reduces the total interest paid.

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