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Loan EMI calculator with full amortization schedule

See your exact monthly EMI, how much is really going to interest, and a year-by-year repayment table you can download as PDF — before you sign anything.

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Loan planner

Know Your EMI First

Loan purposeFirst EMI dateLoan amount ₹Interest rate % per yearTenure — years+ months

Monthly EMI

₹8,997

Total interest

₹11,59,342

Total payable

₹21,59,342

● Principal ₹10,00,000Interest ₹11,59,342 ●

Amortization schedule

Home Loan — EMI plan

Starting 2026-09-10

Monthly EMI

₹8,997

Principal

₹10,00,000

Interest @ 9%

₹11,59,342

Total payable

₹21,59,342

Year	Principal paid	Interest paid	Balance
Y1	₹18,727	₹89,240	₹9,81,273
Y2	₹39,211	₹1,76,723	₹9,60,789
Y3	₹61,616	₹2,62,285	₹9,38,384
Y4	₹86,123	₹3,45,745	₹9,13,877
Y5	₹1,12,930	₹4,26,906	₹8,87,070
Y6	₹1,42,250	₹5,05,553	₹8,57,750
Y7	₹1,74,321	₹5,81,448	₹8,25,679
Y8	₹2,09,401	₹6,54,336	₹7,90,599
Y9	₹2,47,771	₹7,23,933	₹7,52,229
Y10	₹2,89,741	₹7,89,930	₹7,10,259
Y11	₹3,35,648	₹8,51,990	₹6,64,352
Y12	₹3,85,861	₹9,09,744	₹6,14,139
Y13	₹4,40,785	₹9,62,788	₹5,59,215
Y14	₹5,00,860	₹10,10,679	₹4,99,140
Y15	₹5,66,572	₹10,52,935	₹4,33,428
Y16	₹6,38,447	₹10,89,027	₹3,61,553
Y17	₹7,17,065	₹11,18,376	₹2,82,935
Y18	₹8,03,058	₹11,40,350	₹1,96,942
Y19	₹8,97,117	₹11,54,258	₹1,02,883
Y20 (end)	₹10,00,000	₹11,59,342	₹0

FAQ

EMI questions

How is EMI calculated?

EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the total number of months. Early EMIs are mostly interest; the principal share grows every month.

Why does total interest sometimes exceed half my EMI payments?

Long tenures at higher rates do that. A 20-year loan at 9% repays nearly ₹10 lakh interest on a ₹10 lakh principal. Shortening tenure or prepaying early in the schedule cuts interest the most — the yearly table shows exactly where your money goes.

Does this include processing fees or insurance?

No. The schedule shows pure principal + interest, which is what your lender's EMI is built on. Add processing fees and insurance separately when comparing offers — they change the effective cost, not the EMI.

Can I download the full repayment schedule?

Yes — download the year-by-year amortization table as PDF or PNG for records, discussions with your lender, or sharing with a co-applicant.

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