EMI Calculator Italy
Work out your monthly loan instalment in EUR, see the total interest, and compare it against rates Italy 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 Italy
Buzdy tracks 5 banks in Italy with 165 branches across 48 cities. EMI results on this page are shown in EUR. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Credit card interest rates in Italy
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| Intesa XME Classic | Intesa Sanpaolo | 1.42% per month | — | — |
| Intesa XME Gold | Intesa Sanpaolo | 1.42% per month | — | — |
| Intesa Credit Icon | Intesa Sanpaolo | 1.42% per month | — | — |
| UniCredit Flexia Classic | UniCredit Italy | 1.42% per month | — | — |
| UniCredit Flexia Gold | UniCredit Italy | 1.42% per month | — | — |
| UniCredit Flexia Platinum | UniCredit Italy | 1.42% per month | — | — |
| Nexi Classic | Nexi | 1.42% per month | — | — |
| Nexi Gold | Nexi | 1.42% per month | — | — |
| Nexi Prestige | Nexi | 1.42% per month | — | — |
| Mediolanum Credit Card | Banca Mediolanum | 1.42% per month | — | — |
| Mediolanum Prestige | Banca Mediolanum | 1.42% per month | — | — |
| Mediolanum Amex | Banca Mediolanum | 1.42% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 12 cards with a published rate.
Worked example — repaying EUR 100,000 of card balance over 5 years in Italy
- Balance
- EUR 100,000
- Rate used
- 1.42% per month (≈17.04% a year)
- Tenure
- 60 months
- Monthly EMI
- EUR 2,487
- Total interest
- EUR 49,245
Rate taken from Intesa XME Classic (Intesa Sanpaolo) — the lowest published credit card rate we hold for Italy. Buzdy does not yet hold personal loan rates for Italy, 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 Italy
Keep going in Italy
Guides for Italy
Italy — frequently asked questions
What does EUR 100,000 on a credit card cost per month in Italy?
At 17.04% a year over 60 months the instalment works out at about EUR 2,487, or EUR 49,245 of interest in total. That rate comes from Intesa XME Classic by Intesa Sanpaolo, the lowest published credit card rate Buzdy holds for Italy. We do not yet hold personal loan rates for Italy — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Italy?
Across the 12 cards with a published rate in Italy, quoted rates run from 1.42% per month to 1.42% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Italy?
Buzdy maps 165 bank branches in Italy across 48 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.