Credit Card Finance
Credit Card EMI Calculator
Pay Smart
Convert your credit card purchases into EMIs — know your monthly payments and total interest.
Purchase Amount
$
Interest Rate
%
EMI Tenure
Processing Fee
%
Interest
0%
Monthly EMI
$0
per month
Total Payment
$0
Total Interest
$0
Processing Fee
$0
Total Cost
$0
How the formula works
EMI = P × r × (1 + r)ⁿ / [(1 + r)ⁿ − 1]
- P = Principal (purchase amount)
- r = Monthly interest rate (annual rate ÷ 12 ÷ 100)
- n = Tenure in months (total number of EMIs)
- Processing Fee = P × (fee rate / 100) — added to total cost
- Total Cost = EMI × n + Processing Fee