Credit Card EMI Calculator

Analyze your credit card EMIs, processing fees, and hidden taxes. In No Cost EMIs, the merchant discounts the principal upfront so your total payments equal the product price. However, you still pay GST on the interest component every month.

Purchase Amount

₹

Card Interest Rate (p.a.) No Cost EMI

Tenure (Months)

Processing Fee & GST

₹

GST %
(On PF & Interest)

Start Date

Loan Amount

₹0

Monthly Base EMI

₹0

+ GST on Interest monthly

Total Interest Paid

₹0

Total GST (Taxes)

₹0

On PF & Interest

Amortization Schedule

Month	Principal Component	Interest Component	18% GST (On Interest)	Total Billed	Balance