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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.

Calculated in your browser. Nothing you enter is sent to a server.
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Loan amount
Interest rate9.5%
Tenure20 yr
Monthly EMI: ₹23,303 over 240 months
MonthEMIPrincipalInterestBalance
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.

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