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The full repayment table for any loan. See how much of each EMI goes to interest and how much reduces the principal, with a yearly summary and a CSV download.
Move a slider or type a number. Everything updates instantly, and the link above carries your values so you can share or save them.
Thirty lakh
Your monthly EMI
₹26,992
every month for 20 yr
After 10 yr, which is half the tenure, you will still owe ₹21,30,777. That is only 29% of the principal repaid, because the early years go mostly to interest.
Your instalment only starts putting more into principal than interest at month 149.
Early years are mostly interest. That is why prepaying early saves the most.
Each month: interest = balance x r, principal = EMI - interest.
Nothing is hidden. The same formula runs in a shared, unit-tested library used by every calculator on this site.
These numbers are indicative. Your actual offer depends on the lender.
This calculator assumes the rate stays the same for the whole tenure. Most loans in India are floating rate, so your EMI can move when the RBI changes rates. Tell us your real situation and we will give you a figure you can plan around.
Questions
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