Free tool · Auto-localised

Car Loan EMI Calculator

Work out your monthly car loan payment in seconds. Adjust the down payment and tenure sliders to see how your EMI and total interest change.

Car price (BRL)

Down payment 20% — R$ 20.000

0%80%

Loan tenure 5 years

1 yr8 yr

Interest rate % per year

% p.a.

Monthly EMI

R$ 1.780

For 60 months at 12% per year

Loan amount (after down payment)R$ 80.000

Total interest payableR$ 26.773

Total amount payableR$ 106.773

Estimate only — banks add processing fees, insurance, and may use a different effective rate. Always compare two or three quotes before signing.

How to use this calculator

Tips to keep your monthly payment manageable.

A higher down payment reduces the principal, your monthly EMI, and total interest. Banks also offer better rates when down payment exceeds 20%.

Longer tenures lower your EMI but multiply total interest. A 7-year loan can cost 60% more than a 5-year loan on the same car.

Rates vary 1–3% across banks for the same profile. Always compare offers from at least 3 banks or get a soft quote from your existing bank.

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