Finance

EMI Calculator — Equated Monthly Installment

Built by Kevin Glover · @gloverbuilds · Verified formula

Calculate EMI for home loans, car loans, and personal loans. See total interest and amortization breakdown.

📅 Updated April 2026 ✅ Formula verified 📖 4 min read 🆓 Free · No sign-up

In this article

What Is EMI?
EMI by Loan Type

A Parcela no Brasil

SAC (Amortização Constante): parcelas decrescentes — a mais usada no financiamento imobiliário BR. PRICE (parcelas fixas): a mais usada em financiamento auto e pessoal. R$200.000 a 10% ao ano em 25 anos: SAC começa em ~R$2.300 e cai. PRICE: ~R$1.820 fixo. O SAC paga menos juros no total.

SAC vs PRICE

SAC: começa mais caro, fica mais barato, total de juros menor. PRICE: parcela fixa, mais fácil de planejar, mais juros no total. Para financiamento imobiliário longo (20-30 anos): o SAC economiza 10-20% em juros totais.

⚡ CalcWolf Insight

EMI calculator is one of the top 5 most-searched financial calculators globally — particularly in India (where it gets 2M+ monthly searches). The term EMI is used interchangeably with "loan payment" in South Asian, Southeast Asian, and Middle Eastern markets. Ranking for "EMI calculator" captures massive international traffic.

Frequently asked questions

Parcela para R$200.000?▾

A 10%/ano, 25 anos: SAC ~R$2.300 inicial (cai). PRICE ~R$1.820 fixo.

SAC ou PRICE?▾

SAC: paga menos juros no total. PRICE: parcela fixa. Se a renda permite: SAC é a melhor opção financeira.

✓ Math logic verified against primary sources → See our verification process

Kevin Glover · @gloverbuilds

Founder, CalcWolf · GLVTS · Blickr

All formulas sourced from primary references — IRS publications, peer-reviewed research, and official standards. Results are tested against independent reference calculators before publishing. Rates and brackets updated when official sources change. Editorial policy →