EMI Calculator
Calculate your loan EMI, total interest, and view detailed amortization schedule
Configure EMI
₹10,000 to ₹10 Crore
1% to 50% — covers everything from home loans to unsecured credit-card / money-lender rates
Results
Principal vs Interest Paid Per Year
How your EMI splits between principal repayment and interest over the loan tenure
Principal vs Interest Split
Overall breakup of total amount paid over 20 years
Year-by-Year Amortization Schedule
Detailed breakdown of principal, interest, and outstanding balance each year
| Year | Opening Balance | EMI Paid | Principal | Interest | Closing Balance |
|---|---|---|---|---|---|
| Year 1 | ₹50.00 L | ₹5.21 L | ₹99,511 | ₹4.21 L | ₹49.00 L |
| Year 2 | ₹49.00 L | ₹5.21 L | ₹1.08 L | ₹4.12 L | ₹47.92 L |
| Year 3 | ₹47.92 L | ₹5.21 L | ₹1.18 L | ₹4.03 L | ₹46.74 L |
| Year 4 | ₹46.74 L | ₹5.21 L | ₹1.28 L | ₹3.92 L | ₹45.46 L |
| Year 5 | ₹45.46 L | ₹5.21 L | ₹1.40 L | ₹3.81 L | ₹44.06 L |
| Year 6 | ₹44.06 L | ₹5.21 L | ₹1.52 L | ₹3.69 L | ₹42.54 L |
| Year 7 | ₹42.54 L | ₹5.21 L | ₹1.65 L | ₹3.55 L | ₹40.89 L |
| Year 8 | ₹40.89 L | ₹5.21 L | ₹1.80 L | ₹3.41 L | ₹39.09 L |
| Year 9 | ₹39.09 L | ₹5.21 L | ₹1.96 L | ₹3.25 L | ₹37.13 L |
| Year 10 | ₹37.13 L | ₹5.21 L | ₹2.13 L | ₹3.07 L | ₹35.00 L |
| Year 11 | ₹35.00 L | ₹5.21 L | ₹2.32 L | ₹2.89 L | ₹32.68 L |
| Year 12 | ₹32.68 L | ₹5.21 L | ₹2.53 L | ₹2.68 L | ₹30.15 L |
| Year 13 | ₹30.15 L | ₹5.21 L | ₹2.75 L | ₹2.46 L | ₹27.40 L |
| Year 14 | ₹27.40 L | ₹5.21 L | ₹2.99 L | ₹2.21 L | ₹24.41 L |
| Year 15 | ₹24.41 L | ₹5.21 L | ₹3.26 L | ₹1.95 L | ₹21.15 L |
| Year 16 | ₹21.15 L | ₹5.21 L | ₹3.55 L | ₹1.66 L | ₹17.60 L |
| Year 17 | ₹17.60 L | ₹5.21 L | ₹3.86 L | ₹1.35 L | ₹13.75 L |
| Year 18 | ₹13.75 L | ₹5.21 L | ₹4.20 L | ₹1.01 L | ₹9.55 L |
| Year 19 | ₹9.55 L | ₹5.21 L | ₹4.57 L | ₹63,604 | ₹4.97 L |
| Year 20 | ₹4.97 L | ₹5.21 L | ₹4.97 L | ₹23,202 | ₹0 |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
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