Step-Up EMI Calculator
A step-up loan starts with a lower EMI that rises each year. See your starting EMI, final-year EMI and the interest trade-off.
Loan details
₹50,00,000
%
8.50% per annum
yrs
20 years
%
EMI rises 5% every year
Starting EMI
₹30,022
Begins ₹13,369 lower than a flat EMI
- Flat EMI (no step-up)
- ₹43,391
- Final-year EMI
- ₹75,865
- Total interest
- ₹69,12,548
- Extra interest vs flat EMI
- ₹14,98,669
A step-up EMI starts lower and rises each year as your income grows — helpful for young earners (it also boosts loan eligibility). The trade-off is slightly more total interest because you repay principal a little slower early on.