Car Installment Calculator
Plan your car financing in Pakistan. Enter the car price, down payment, loan tenure and annual markup rate to get the monthly installment, total markup and total amount payable, plus a year-wise breakdown.
% of price
Estimate only — banks differ. Edit to match any bank offer.
Monthly Installment
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Total Markup Paid
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Total Payable
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Year-Wise Summary
| Year | Paid During Year (Rs) | Markup Part (Rs) | Balance Left (Rs) |
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How to use
- Enter the total car price in Rupees and your down payment (as a percent of the price or as an amount).
- Select the loan tenure from 1 to 7 years and set the annual markup rate.
- The monthly installment, total markup and year-wise table appear instantly.
How the EMI is calculated
The monthly installment uses the standard reducing-balance formula: EMI = P x r x (1+r)n / ((1+r)n - 1), where P is the financed amount (car price minus down payment), r is the monthly markup rate (annual rate / 12 / 100), and n is the number of months. With a 20% annual markup, 30% down payment on Rs 2,500,000 over 4 years, the EMI is about Rs 58,000 per month. Note: this tool does not include bank processing fees, insurance or tracker charges, which increase the real cost.