Loan Amortisation Schedule Calculator
Last Updated: 8 April 2026
Loan Amortisation Schedule Calculator
Monthly breakdown of your loan repayment including principal and interest
How it Works & Benefits
Monthly Breakdown
See exactly how much of each EMI goes towards principal vs interest.
Visual Balance Tracking
Track how your loan balance reduces over the entire tenure.
Plan Prepayments
Identify the best time to make prepayments to save the most interest.
Frequently Asked Questions
Common queries answered for you
An amortisation schedule is a table providing each periodic payment for a loan. It shows the amount of principal and interest that makes up each payment until the loan is paid off at the end of its term.
Because interest is calculated on the outstanding balance. In the beginning, the balance is high, so the interest component is large. As you pay off principal, the interest reduces.
You can copy the data into Excel or print the page for your records. A dedicated Excel download feature is coming soon.
What is What is a Loan Amortisation Schedule??
A loan amortisation schedule is a complete table of periodic loan payments, showing the amount of principal and the amount of interest that make up each payment until the loan is paid off at the end of its term.
📊 Practical Example
"On a ₹25 Lakh loan at 8.5% for 20 years, your EMI is ₹21,696. In the first month, only ₹4,000 goes towards principal while ₹17,700 goes towards interest. By Year 15, the principal component increases significantly."
⚠️ Common Mistake
Not looking at the interest component. Many borrowers only look at the EMI amount, but understanding the interest breakdown helps in making better financial decisions like prepaying early.
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