Credit Card EMI Calculator

↻ Updated 2026

Convert a card purchase into EMIs and see the real cost: monthly EMI, total interest, one-time processing fee plus GST, and the effective extra you pay.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Purchase amount

Interest rate (p.a.)

≈ 1.25% per month

Tenure

Processing fee

One-time, plus 18% GST

Monthly EMI

₹5,415

for 1 yr

Total interest

₹4,986

at 15% p.a.

Effective cost

₹6,048

interest + fee + GST

What the EMI conversion costs you

Purchase₹60,000

Interest₹4,986

Fee + GST₹1,062

Breakdown

Purchase amount₹60,000

Total interest+ ₹4,986

Processing fee+ ₹900

GST on fee (18%)+ ₹162

Effective extra cost₹6,048

Total outgo₹66,048

ASSUMPTIONS — EMI is computed on a reducing-balance basis for ₹60,000 at 15% p.a. (≈ 1.25%/month) over 12 months. A one-time processing fee of 1.50% plus 18% GST is added upfront. GST on the monthly interest component (levied by most issuers) and any foreclosure charges are not modelled. Rates and fees shown are indicative and vary by card and issuer.

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Sources & rate references

·EMI = reducing-balance amortization; rates indicative

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.