EMI Calculator Egypt
Work out your monthly loan instalment in EGP, see the total interest, and compare it against rates Egypt banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Egypt
Buzdy tracks 4 banks in Egypt with 143 branches across 61 cities. EMI results on this page are shown in EGP. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in Egypt
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| CIB World Elite Mastercard | CIB Egypt | 2.25% per month | — | — |
| CIB Visa Signature | CIB Egypt | 2.25% per month | — | — |
| CIB Visa Platinum | CIB Egypt | 2.25% per month | — | — |
| CIB Mastercard Titanium | CIB Egypt | 2.25% per month | — | — |
| NBE Visa Platinum | National Bank of Egypt | 2.25% per month | — | — |
| NBE Mastercard World | National Bank of Egypt | 2.25% per month | — | — |
| NBE Visa Gold | National Bank of Egypt | 2.25% per month | — | — |
| NBE Visa Classic | National Bank of Egypt | 2.25% per month | — | — |
| BM Visa Platinum | Banque Misr Egypt | 2.25% per month | — | — |
| BM Mastercard World | Banque Misr Egypt | 2.25% per month | — | — |
| BM Visa Gold | Banque Misr Egypt | 2.25% per month | — | — |
| BM Visa Classic | Banque Misr Egypt | 2.25% per month | — | — |
| QNB Visa Infinite | QNB Alahli Egypt | 2.25% per month | — | — |
| QNB Visa Platinum | QNB Alahli Egypt | 2.25% per month | — | — |
| QNB Visa Gold | QNB Alahli Egypt | 2.25% per month | — | — |
| QNB Visa Classic | QNB Alahli Egypt | 2.25% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 16 cards with a published rate.
Worked example — repaying EGP 100,000 of card balance over 5 years in Egypt
- Balance
- EGP 100,000
- Rate used
- 2.25% per month (≈27% a year)
- Tenure
- 60 months
- Monthly EMI
- EGP 3,054
- Total interest
- EGP 83,212
Rate taken from CIB World Elite Mastercard (CIB Egypt) — the lowest published credit card rate we hold for Egypt. Buzdy does not yet hold personal loan rates for Egypt, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Egypt
Keep going in Egypt
Guides for Egypt
Egypt — frequently asked questions
What does EGP 100,000 on a credit card cost per month in Egypt?
At 27% a year over 60 months the instalment works out at about EGP 3,054, or EGP 83,212 of interest in total. That rate comes from CIB World Elite Mastercard by CIB Egypt, the lowest published credit card rate Buzdy holds for Egypt. We do not yet hold personal loan rates for Egypt — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Egypt?
Across the 16 cards with a published rate in Egypt, quoted rates run from 2.25% per month to 2.25% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Egypt?
Buzdy maps 143 bank branches in Egypt across 61 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.