Loan Amortization Schedule
Month-by-month loan schedule with principal, interest and balance, extra payments, and download as CSV for Excel or as PDF.
Monthly EMI
—
Total interest—
Total paid—
Loan closes—
Interest saved by extra payments—
Schedule by year
| Year | Principal | Interest | Extra paid | Balance at year end |
|---|
Tap a year to see its months.
How to use the Loan Amortization Schedule
- Enter the loan amount, rate, tenure and start month.
- Optionally add a monthly extra payment or a one-time prepayment.
- Read the yearly summary, expand months, and download CSV or PDF.
About this tool
Shows exactly how each EMI splits between interest and principal, and how extra payments shorten the loan. Download the table to keep it alongside your loan statement.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Why is most of my early EMI interest?
Interest is charged on the outstanding balance, which is highest at the start. As the balance falls, more of each EMI goes to principal.
Will my bank's schedule match exactly?
Closely. Banks may differ by a few rupees due to day-count conventions and when the first EMI falls.