See exactly where every rupee goes
A complete repayment schedule for your loan, year by year or month by month, showing the split between interest and principal, and your falling balance.
Monthly EMI
₹35,348
Total interest
₹44.84 L
Total payable
₹84.84 L
Interest as % of loan
112%
Where every year's payment goes
Repayment schedule
Why the schedule is worth reading
Most borrowers look at the EMI and stop there. The amortisation schedule is where the real cost of a loan becomes visible: on a 20-year home loan, you will often have repaid less than a fifth of the principal by year five, even though you have paid EMIs for sixty months.
That asymmetry is not a trick; it follows directly from charging interest on the outstanding balance. But understanding it changes decisions. It explains why prepaying in year three is worth several times the same prepayment in year fifteen, and why a balance transfer usually only makes sense when you still have a long tenure remaining.
Use the yearly view to see the shape of the loan, and the monthly view when you need precise figures: for tax filings, for a prepayment decision, or simply to check a lender's own statement against an independent calculation.
Questions about this calculator
It is a table showing every instalment over the life of your loan, split into the interest portion, the principal portion and the closing balance. It makes visible something the EMI figure hides: how slowly the principal falls in the early years.
Interest is charged on the outstanding balance. At the start, that balance is at its maximum, so most of your fixed EMI is consumed by interest. As the principal gradually falls, the interest charge falls with it and more of each instalment goes to repayment, compounding in your favour over time.
A lump-sum prepayment reduces the outstanding principal immediately, so every subsequent interest charge is calculated on a smaller base. Prepaying early in the tenure saves dramatically more than the same amount prepaid late, because it removes interest that would have compounded for years.
Yes. Enter your current outstanding balance, your current rate and the remaining tenure, and the schedule will project forward from today rather than from the original disbursement.
The full schedule at whichever view you have selected (yearly or monthly), with columns for the period, principal repaid, interest paid, total payment and closing balance. It opens directly in Excel or Google Sheets.
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