EMI Calculator

Calculate monthly EMI (Equated Monthly Installment) for home construction and housing loans. Uses the reducing balance method: EMI = P × r × (1+r)^n / ((1+r)^n - 1). Features: - Loan amount input in Nepalese Rupees (NRs) - Annual interest rate with slider (1-30%) - Loan tenure in years (1-30 years) - Results: Monthly EMI, total interest, total payment, interest-to-principal ratio - Year-wise amortization schedule showing principal paid, interest paid, and remaining balance - Visual payment breakdown bar chart - Quick reference: typical Nepal bank rates for home, construction, personal, and vehicle loans