Step-Up / Step-Down EMI Calculator
Plan flexible EMI structures that increase or decrease over time to match your income growth or retirement plans.
Loan & EMI Structure
Configure your flexible EMI plan
Basic Loan Details
EMI Structure Type
Start with lower EMI, increase over time (ideal for growing income)
Start with higher EMI, decrease over time (ideal for pre-retirement)
Fixed EMI throughout tenure
Step Configuration
Comparison Results
Flexible vs Standard EMI
Standard EMI₹43,391
Initial Flexible EMI₹38,958
Final Flexible EMI₹57,039
Standard Interest₹54,13,879
Flexible Interest₹37,11,829
Difference↓ ₹17,02,050
Standard Tenure240 months
Flexible Tenure163 months
Difference77 months shorter
Step-Up Benefits
Lower initial EMI makes loan affordable early in career. EMI increases as your income grows.
EMI Trend Over Time
How your EMI changes throughout the loan tenure
Cumulative Interest Comparison
Interest accumulation over time