Generate a loan amortization schedule
See exactly how much of every EMI goes to principal vs interest, month by month, for the full term of a loan.
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Loan amount
Interest rate9.5%
Tenure20 yr
Monthly EMI: ₹23,303 over 240 months
Balance over time
₹0
₹10,00,000
₹20,00,000
₹30,00,000
0y
5y
10y
15y
20y
Remaining balance
Full monthly schedule
| Month | EMI | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹23,303 | ₹3,512 | ₹19,792 | ₹24,96,488 |
| 2 | ₹23,303 | ₹3,539 | ₹19,764 | ₹24,92,949 |
| 3 | ₹23,303 | ₹3,567 | ₹19,736 | ₹24,89,382 |
| 4 | ₹23,303 | ₹3,596 | ₹19,708 | ₹24,85,786 |
| 5 | ₹23,303 | ₹3,624 | ₹19,679 | ₹24,82,162 |
| 6 | ₹23,303 | ₹3,653 | ₹19,650 | ₹24,78,509 |
| 7 | ₹23,303 | ₹3,682 | ₹19,622 | ₹24,74,827 |
| 8 | ₹23,303 | ₹3,711 | ₹19,592 | ₹24,71,116 |
| 9 | ₹23,303 | ₹3,740 | ₹19,563 | ₹24,67,376 |
| 10 | ₹23,303 | ₹3,770 | ₹19,533 | ₹24,63,606 |
| 11 | ₹23,303 | ₹3,800 | ₹19,504 | ₹24,59,806 |
| 12 | ₹23,303 | ₹3,830 | ₹19,473 | ₹24,55,977 |
| 13 | ₹23,303 | ₹3,860 | ₹19,443 | ₹24,52,116 |
| 14 | ₹23,303 | ₹3,891 | ₹19,413 | ₹24,48,226 |
| 15 | ₹23,303 | ₹3,921 | ₹19,382 | ₹24,44,304 |
| 16 | ₹23,303 | ₹3,953 | ₹19,351 | ₹24,40,352 |
| 17 | ₹23,303 | ₹3,984 | ₹19,319 | ₹24,36,368 |
| 18 | ₹23,303 | ₹4,015 | ₹19,288 | ₹24,32,352 |
| 19 | ₹23,303 | ₹4,047 | ₹19,256 | ₹24,28,305 |
| 20 | ₹23,303 | ₹4,079 | ₹19,224 | ₹24,24,226 |
| 21 | ₹23,303 | ₹4,111 | ₹19,192 | ₹24,20,115 |
| 22 | ₹23,303 | ₹4,144 | ₹19,159 | ₹24,15,971 |
| 23 | ₹23,303 | ₹4,177 | ₹19,126 | ₹24,11,794 |
| 24 | ₹23,303 | ₹4,210 | ₹19,093 | ₹24,07,584 |
| 25 | ₹23,303 | ₹4,243 | ₹19,060 | ₹24,03,341 |
| 26 | ₹23,303 | ₹4,277 | ₹19,026 | ₹23,99,064 |
| 27 | ₹23,303 | ₹4,311 | ₹18,993 | ₹23,94,753 |
| 28 | ₹23,303 | ₹4,345 | ₹18,958 | ₹23,90,408 |
| 29 | ₹23,303 | ₹4,379 | ₹18,924 | ₹23,86,029 |
| 30 | ₹23,303 | ₹4,414 | ₹18,889 | ₹23,81,615 |
| 31 | ₹23,303 | ₹4,449 | ₹18,854 | ₹23,77,166 |
| 32 | ₹23,303 | ₹4,484 | ₹18,819 | ₹23,72,682 |
| 33 | ₹23,303 | ₹4,520 | ₹18,784 | ₹23,68,163 |
| 34 | ₹23,303 | ₹4,555 | ₹18,748 | ₹23,63,607 |
| 35 | ₹23,303 | ₹4,591 | ₹18,712 | ₹23,59,016 |
| 36 | ₹23,303 | ₹4,628 | ₹18,676 | ₹23,54,388 |
| 37 | ₹23,303 | ₹4,664 | ₹18,639 | ₹23,49,724 |
| 38 | ₹23,303 | ₹4,701 | ₹18,602 | ₹23,45,023 |
| 39 | ₹23,303 | ₹4,739 | ₹18,565 | ₹23,40,284 |
| 40 | ₹23,303 | ₹4,776 | ₹18,527 | ₹23,35,508 |
| 41 | ₹23,303 | ₹4,814 | ₹18,489 | ₹23,30,694 |
| 42 | ₹23,303 | ₹4,852 | ₹18,451 | ₹23,25,842 |
| 43 | ₹23,303 | ₹4,890 | ₹18,413 | ₹23,20,952 |
| 44 | ₹23,303 | ₹4,929 | ₹18,374 | ₹23,16,023 |
| 45 | ₹23,303 | ₹4,968 | ₹18,335 | ₹23,11,055 |
| 46 | ₹23,303 | ₹5,007 | ₹18,296 | ₹23,06,047 |
| 47 | ₹23,303 | ₹5,047 | ₹18,256 | ₹23,01,000 |
| 48 | ₹23,303 | ₹5,087 | ₹18,216 | ₹22,95,913 |
| 49 | ₹23,303 | ₹5,127 | ₹18,176 | ₹22,90,786 |
| 50 | ₹23,303 | ₹5,168 | ₹18,135 | ₹22,85,618 |
| 51 | ₹23,303 | ₹5,209 | ₹18,094 | ₹22,80,409 |
| 52 | ₹23,303 | ₹5,250 | ₹18,053 | ₹22,75,159 |
| 53 | ₹23,303 | ₹5,292 | ₹18,012 | ₹22,69,868 |
| 54 | ₹23,303 | ₹5,333 | ₹17,970 | ₹22,64,534 |
| 55 | ₹23,303 | ₹5,376 | ₹17,928 | ₹22,59,158 |
| 56 | ₹23,303 | ₹5,418 | ₹17,885 | ₹22,53,740 |
| 57 | ₹23,303 | ₹5,461 | ₹17,842 | ₹22,48,279 |
| 58 | ₹23,303 | ₹5,504 | ₹17,799 | ₹22,42,775 |
| 59 | ₹23,303 | ₹5,548 | ₹17,755 | ₹22,37,227 |
| 60 | ₹23,303 | ₹5,592 | ₹17,711 | ₹22,31,635 |
| 61 | ₹23,303 | ₹5,636 | ₹17,667 | ₹22,25,998 |
| 62 | ₹23,303 | ₹5,681 | ₹17,622 | ₹22,20,318 |
| 63 | ₹23,303 | ₹5,726 | ₹17,578 | ₹22,14,592 |
| 64 | ₹23,303 | ₹5,771 | ₹17,532 | ₹22,08,821 |
| 65 | ₹23,303 | ₹5,817 | ₹17,486 | ₹22,03,004 |
| 66 | ₹23,303 | ₹5,863 | ₹17,440 | ₹21,97,141 |
| 67 | ₹23,303 | ₹5,909 | ₹17,394 | ₹21,91,232 |
| 68 | ₹23,303 | ₹5,956 | ₹17,347 | ₹21,85,276 |
| 69 | ₹23,303 | ₹6,003 | ₹17,300 | ₹21,79,273 |
| 70 | ₹23,303 | ₹6,051 | ₹17,253 | ₹21,73,222 |
| 71 | ₹23,303 | ₹6,099 | ₹17,205 | ₹21,67,123 |
| 72 | ₹23,303 | ₹6,147 | ₹17,156 | ₹21,60,977 |
| 73 | ₹23,303 | ₹6,196 | ₹17,108 | ₹21,54,781 |
| 74 | ₹23,303 | ₹6,245 | ₹17,059 | ₹21,48,536 |
| 75 | ₹23,303 | ₹6,294 | ₹17,009 | ₹21,42,242 |
| 76 | ₹23,303 | ₹6,344 | ₹16,959 | ₹21,35,899 |
| 77 | ₹23,303 | ₹6,394 | ₹16,909 | ₹21,29,504 |
| 78 | ₹23,303 | ₹6,445 | ₹16,859 | ₹21,23,060 |
| 79 | ₹23,303 | ₹6,496 | ₹16,808 | ₹21,16,564 |
| 80 | ₹23,303 | ₹6,547 | ₹16,756 | ₹21,10,017 |
| 81 | ₹23,303 | ₹6,599 | ₹16,704 | ₹21,03,418 |
| 82 | ₹23,303 | ₹6,651 | ₹16,652 | ₹20,96,767 |
| 83 | ₹23,303 | ₹6,704 | ₹16,599 | ₹20,90,063 |
| 84 | ₹23,303 | ₹6,757 | ₹16,546 | ₹20,83,306 |
| 85 | ₹23,303 | ₹6,810 | ₹16,493 | ₹20,76,495 |
| 86 | ₹23,303 | ₹6,864 | ₹16,439 | ₹20,69,631 |
| 87 | ₹23,303 | ₹6,919 | ₹16,385 | ₹20,62,712 |
| 88 | ₹23,303 | ₹6,973 | ₹16,330 | ₹20,55,739 |
| 89 | ₹23,303 | ₹7,029 | ₹16,275 | ₹20,48,710 |
| 90 | ₹23,303 | ₹7,084 | ₹16,219 | ₹20,41,626 |
| 91 | ₹23,303 | ₹7,140 | ₹16,163 | ₹20,34,485 |
| 92 | ₹23,303 | ₹7,197 | ₹16,106 | ₹20,27,289 |
| 93 | ₹23,303 | ₹7,254 | ₹16,049 | ₹20,20,035 |
| 94 | ₹23,303 | ₹7,311 | ₹15,992 | ₹20,12,723 |
| 95 | ₹23,303 | ₹7,369 | ₹15,934 | ₹20,05,354 |
| 96 | ₹23,303 | ₹7,428 | ₹15,876 | ₹19,97,926 |
| 97 | ₹23,303 | ₹7,486 | ₹15,817 | ₹19,90,440 |
| 98 | ₹23,303 | ₹7,546 | ₹15,758 | ₹19,82,894 |
| 99 | ₹23,303 | ₹7,605 | ₹15,698 | ₹19,75,289 |
| 100 | ₹23,303 | ₹7,666 | ₹15,638 | ₹19,67,624 |
| 101 | ₹23,303 | ₹7,726 | ₹15,577 | ₹19,59,897 |
| 102 | ₹23,303 | ₹7,787 | ₹15,516 | ₹19,52,110 |
| 103 | ₹23,303 | ₹7,849 | ₹15,454 | ₹19,44,261 |
| 104 | ₹23,303 | ₹7,911 | ₹15,392 | ₹19,36,350 |
| 105 | ₹23,303 | ₹7,974 | ₹15,329 | ₹19,28,376 |
| 106 | ₹23,303 | ₹8,037 | ₹15,266 | ₹19,20,339 |
| 107 | ₹23,303 | ₹8,101 | ₹15,203 | ₹19,12,238 |
| 108 | ₹23,303 | ₹8,165 | ₹15,139 | ₹19,04,073 |
| 109 | ₹23,303 | ₹8,229 | ₹15,074 | ₹18,95,844 |
| 110 | ₹23,303 | ₹8,295 | ₹15,009 | ₹18,87,550 |
| 111 | ₹23,303 | ₹8,360 | ₹14,943 | ₹18,79,189 |
| 112 | ₹23,303 | ₹8,426 | ₹14,877 | ₹18,70,763 |
| 113 | ₹23,303 | ₹8,493 | ₹14,810 | ₹18,62,270 |
| 114 | ₹23,303 | ₹8,560 | ₹14,743 | ₹18,53,710 |
| 115 | ₹23,303 | ₹8,628 | ₹14,675 | ₹18,45,082 |
| 116 | ₹23,303 | ₹8,696 | ₹14,607 | ₹18,36,385 |
| 117 | ₹23,303 | ₹8,765 | ₹14,538 | ₹18,27,620 |
| 118 | ₹23,303 | ₹8,835 | ₹14,469 | ₹18,18,785 |
| 119 | ₹23,303 | ₹8,905 | ₹14,399 | ₹18,09,881 |
| 120 | ₹23,303 | ₹8,975 | ₹14,328 | ₹18,00,906 |
| 121 | ₹23,303 | ₹9,046 | ₹14,257 | ₹17,91,860 |
| 122 | ₹23,303 | ₹9,118 | ₹14,186 | ₹17,82,742 |
| 123 | ₹23,303 | ₹9,190 | ₹14,113 | ₹17,73,552 |
| 124 | ₹23,303 | ₹9,263 | ₹14,041 | ₹17,64,289 |
| 125 | ₹23,303 | ₹9,336 | ₹13,967 | ₹17,54,953 |
| 126 | ₹23,303 | ₹9,410 | ₹13,893 | ₹17,45,543 |
| 127 | ₹23,303 | ₹9,484 | ₹13,819 | ₹17,36,059 |
| 128 | ₹23,303 | ₹9,559 | ₹13,744 | ₹17,26,500 |
| 129 | ₹23,303 | ₹9,635 | ₹13,668 | ₹17,16,864 |
| 130 | ₹23,303 | ₹9,711 | ₹13,592 | ₹17,07,153 |
| 131 | ₹23,303 | ₹9,788 | ₹13,515 | ₹16,97,365 |
| 132 | ₹23,303 | ₹9,866 | ₹13,437 | ₹16,87,499 |
| 133 | ₹23,303 | ₹9,944 | ₹13,359 | ₹16,77,555 |
| 134 | ₹23,303 | ₹10,023 | ₹13,281 | ₹16,67,532 |
| 135 | ₹23,303 | ₹10,102 | ₹13,201 | ₹16,57,430 |
| 136 | ₹23,303 | ₹10,182 | ₹13,121 | ₹16,47,248 |
| 137 | ₹23,303 | ₹10,263 | ₹13,041 | ₹16,36,986 |
| 138 | ₹23,303 | ₹10,344 | ₹12,959 | ₹16,26,642 |
| 139 | ₹23,303 | ₹10,426 | ₹12,878 | ₹16,16,216 |
| 140 | ₹23,303 | ₹10,508 | ₹12,795 | ₹16,05,708 |
| 141 | ₹23,303 | ₹10,591 | ₹12,712 | ₹15,95,117 |
| 142 | ₹23,303 | ₹10,675 | ₹12,628 | ₹15,84,441 |
| 143 | ₹23,303 | ₹10,760 | ₹12,543 | ₹15,73,682 |
| 144 | ₹23,303 | ₹10,845 | ₹12,458 | ₹15,62,837 |
| 145 | ₹23,303 | ₹10,931 | ₹12,372 | ₹15,51,906 |
| 146 | ₹23,303 | ₹11,017 | ₹12,286 | ₹15,40,888 |
| 147 | ₹23,303 | ₹11,105 | ₹12,199 | ₹15,29,784 |
| 148 | ₹23,303 | ₹11,192 | ₹12,111 | ₹15,18,591 |
| 149 | ₹23,303 | ₹11,281 | ₹12,022 | ₹15,07,310 |
| 150 | ₹23,303 | ₹11,370 | ₹11,933 | ₹14,95,940 |
| 151 | ₹23,303 | ₹11,460 | ₹11,843 | ₹14,84,479 |
| 152 | ₹23,303 | ₹11,551 | ₹11,752 | ₹14,72,928 |
| 153 | ₹23,303 | ₹11,643 | ₹11,661 | ₹14,61,286 |
| 154 | ₹23,303 | ₹11,735 | ₹11,569 | ₹14,49,551 |
| 155 | ₹23,303 | ₹11,828 | ₹11,476 | ₹14,37,723 |
| 156 | ₹23,303 | ₹11,921 | ₹11,382 | ₹14,25,802 |
| 157 | ₹23,303 | ₹12,016 | ₹11,288 | ₹14,13,786 |
| 158 | ₹23,303 | ₹12,111 | ₹11,192 | ₹14,01,675 |
| 159 | ₹23,303 | ₹12,207 | ₹11,097 | ₹13,89,469 |
| 160 | ₹23,303 | ₹12,303 | ₹11,000 | ₹13,77,165 |
| 161 | ₹23,303 | ₹12,401 | ₹10,903 | ₹13,64,765 |
| 162 | ₹23,303 | ₹12,499 | ₹10,804 | ₹13,52,266 |
| 163 | ₹23,303 | ₹12,598 | ₹10,705 | ₹13,39,668 |
| 164 | ₹23,303 | ₹12,698 | ₹10,606 | ₹13,26,970 |
| 165 | ₹23,303 | ₹12,798 | ₹10,505 | ₹13,14,172 |
| 166 | ₹23,303 | ₹12,899 | ₹10,404 | ₹13,01,273 |
| 167 | ₹23,303 | ₹13,002 | ₹10,302 | ₹12,88,271 |
| 168 | ₹23,303 | ₹13,104 | ₹10,199 | ₹12,75,167 |
| 169 | ₹23,303 | ₹13,208 | ₹10,095 | ₹12,61,959 |
| 170 | ₹23,303 | ₹13,313 | ₹9,991 | ₹12,48,646 |
| 171 | ₹23,303 | ₹13,418 | ₹9,885 | ₹12,35,228 |
| 172 | ₹23,303 | ₹13,524 | ₹9,779 | ₹12,21,703 |
| 173 | ₹23,303 | ₹13,631 | ₹9,672 | ₹12,08,072 |
| 174 | ₹23,303 | ₹13,739 | ₹9,564 | ₹11,94,332 |
| 175 | ₹23,303 | ₹13,848 | ₹9,455 | ₹11,80,484 |
| 176 | ₹23,303 | ₹13,958 | ₹9,346 | ₹11,66,527 |
| 177 | ₹23,303 | ₹14,068 | ₹9,235 | ₹11,52,458 |
| 178 | ₹23,303 | ₹14,180 | ₹9,124 | ₹11,38,279 |
| 179 | ₹23,303 | ₹14,292 | ₹9,011 | ₹11,23,987 |
| 180 | ₹23,303 | ₹14,405 | ₹8,898 | ₹11,09,582 |
| 181 | ₹23,303 | ₹14,519 | ₹8,784 | ₹10,95,063 |
| 182 | ₹23,303 | ₹14,634 | ₹8,669 | ₹10,80,429 |
| 183 | ₹23,303 | ₹14,750 | ₹8,553 | ₹10,65,679 |
| 184 | ₹23,303 | ₹14,867 | ₹8,437 | ₹10,50,812 |
| 185 | ₹23,303 | ₹14,984 | ₹8,319 | ₹10,35,828 |
| 186 | ₹23,303 | ₹15,103 | ₹8,200 | ₹10,20,725 |
| 187 | ₹23,303 | ₹15,223 | ₹8,081 | ₹10,05,502 |
| 188 | ₹23,303 | ₹15,343 | ₹7,960 | ₹9,90,159 |
| 189 | ₹23,303 | ₹15,465 | ₹7,839 | ₹9,74,695 |
| 190 | ₹23,303 | ₹15,587 | ₹7,716 | ₹9,59,108 |
| 191 | ₹23,303 | ₹15,710 | ₹7,593 | ₹9,43,397 |
| 192 | ₹23,303 | ₹15,835 | ₹7,469 | ₹9,27,563 |
| 193 | ₹23,303 | ₹15,960 | ₹7,343 | ₹9,11,602 |
| 194 | ₹23,303 | ₹16,086 | ₹7,217 | ₹8,95,516 |
| 195 | ₹23,303 | ₹16,214 | ₹7,090 | ₹8,79,302 |
| 196 | ₹23,303 | ₹16,342 | ₹6,961 | ₹8,62,960 |
| 197 | ₹23,303 | ₹16,472 | ₹6,832 | ₹8,46,489 |
| 198 | ₹23,303 | ₹16,602 | ₹6,701 | ₹8,29,887 |
| 199 | ₹23,303 | ₹16,733 | ₹6,570 | ₹8,13,153 |
| 200 | ₹23,303 | ₹16,866 | ₹6,437 | ₹7,96,288 |
| 201 | ₹23,303 | ₹16,999 | ₹6,304 | ₹7,79,288 |
| 202 | ₹23,303 | ₹17,134 | ₹6,169 | ₹7,62,154 |
| 203 | ₹23,303 | ₹17,270 | ₹6,034 | ₹7,44,885 |
| 204 | ₹23,303 | ₹17,406 | ₹5,897 | ₹7,27,478 |
| 205 | ₹23,303 | ₹17,544 | ₹5,759 | ₹7,09,934 |
| 206 | ₹23,303 | ₹17,683 | ₹5,620 | ₹6,92,251 |
| 207 | ₹23,303 | ₹17,823 | ₹5,480 | ₹6,74,428 |
| 208 | ₹23,303 | ₹17,964 | ₹5,339 | ₹6,56,464 |
| 209 | ₹23,303 | ₹18,106 | ₹5,197 | ₹6,38,358 |
| 210 | ₹23,303 | ₹18,250 | ₹5,054 | ₹6,20,108 |
| 211 | ₹23,303 | ₹18,394 | ₹4,909 | ₹6,01,714 |
| 212 | ₹23,303 | ₹18,540 | ₹4,764 | ₹5,83,175 |
| 213 | ₹23,303 | ₹18,686 | ₹4,617 | ₹5,64,488 |
| 214 | ₹23,303 | ₹18,834 | ₹4,469 | ₹5,45,654 |
| 215 | ₹23,303 | ₹18,984 | ₹4,320 | ₹5,26,670 |
| 216 | ₹23,303 | ₹19,134 | ₹4,169 | ₹5,07,536 |
| 217 | ₹23,303 | ₹19,285 | ₹4,018 | ₹4,88,251 |
| 218 | ₹23,303 | ₹19,438 | ₹3,865 | ₹4,68,813 |
| 219 | ₹23,303 | ₹19,592 | ₹3,711 | ₹4,49,221 |
| 220 | ₹23,303 | ₹19,747 | ₹3,556 | ₹4,29,474 |
| 221 | ₹23,303 | ₹19,903 | ₹3,400 | ₹4,09,571 |
| 222 | ₹23,303 | ₹20,061 | ₹3,242 | ₹3,89,510 |
| 223 | ₹23,303 | ₹20,220 | ₹3,084 | ₹3,69,291 |
| 224 | ₹23,303 | ₹20,380 | ₹2,924 | ₹3,48,911 |
| 225 | ₹23,303 | ₹20,541 | ₹2,762 | ₹3,28,370 |
| 226 | ₹23,303 | ₹20,704 | ₹2,600 | ₹3,07,666 |
| 227 | ₹23,303 | ₹20,868 | ₹2,436 | ₹2,86,799 |
| 228 | ₹23,303 | ₹21,033 | ₹2,270 | ₹2,65,766 |
| 229 | ₹23,303 | ₹21,199 | ₹2,104 | ₹2,44,567 |
| 230 | ₹23,303 | ₹21,367 | ₹1,936 | ₹2,23,199 |
| 231 | ₹23,303 | ₹21,536 | ₹1,767 | ₹2,01,663 |
| 232 | ₹23,303 | ₹21,707 | ₹1,596 | ₹1,79,956 |
| 233 | ₹23,303 | ₹21,879 | ₹1,425 | ₹1,58,078 |
| 234 | ₹23,303 | ₹22,052 | ₹1,251 | ₹1,36,026 |
| 235 | ₹23,303 | ₹22,226 | ₹1,077 | ₹1,13,799 |
| 236 | ₹23,303 | ₹22,402 | ₹901 | ₹91,397 |
| 237 | ₹23,303 | ₹22,580 | ₹724 | ₹68,817 |
| 238 | ₹23,303 | ₹22,758 | ₹545 | ₹46,059 |
| 239 | ₹23,303 | ₹22,939 | ₹365 | ₹23,120 |
| 240 | ₹23,303 | ₹23,120 | ₹183 | ₹0 |
Calculated in your browser. Nothing is sent anywhere.
01
Enter the loan details
Amount, interest rate, and tenure in years.
02
Scroll the schedule
Every month's EMI, principal, interest, and remaining balance.
03
Download as CSV
Get the full schedule as a spreadsheet file.
Frequently asked
Why does the interest portion shrink over time?
Interest is charged on the remaining balance, which falls every month. Early on, most of your EMI pays interest; toward the end, most of it pays down principal.
Does this match my bank's statement exactly?
It should be very close. Small differences can come from rounding or the exact day your interest is calculated from.
Can I use this for a loan I've already partly repaid?
This schedule assumes no prepayments. For an existing loan with a prepayment, use the Loan Prepayment Calculator instead.
Is my loan information sent anywhere?
No. Everything is calculated in this tab, and the CSV is generated and downloaded locally.