EMI LEDGER

Loan intelligence

Financial planning workspace

Know your loan before you sign.

Model your monthly commitment, compare floating rates, and see how every rupee moves across the life of your loan.

Updates instantly as you edit

01 / Inputs

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Floating rate blend

Base market rate + lender spread

Current blended rate8.50%
Your scenarios stay in this browser only
Monthly EMI

₹17,356

8.50% reducing

Total interest

₹22L

240 months to close

Loan principal

₹20L

₹5L down

Total cost

₹42L

₹27,000 extra fees

Your repayment snapshot

₹17,356

estimated monthly reducing-balance EMI

Effective rate

8.50%

base + spread

Principal

₹20L

Interest

₹22L

Tenure

20 yrs

Interest share

51.99%

Cost composition

Where your money goes

  • Extra fees
  • Interest
  • Principal

Yearly progression

Reducing balance journey

Y1Y5Y9Y13Y170k55k110k165k220k

Repayment detail

Amortization schedule

YearOpening balancePrincipalInterestPrepaymentClosing balance
Year 1₹20L₹39,805₹2L—₹20L
Year 2₹20L₹43,323₹2L—₹19L
Year 3₹19L₹47,152₹2L—₹19L
Year 4₹19L₹51,320₹2L—₹18L
Year 5₹18L₹55,856₹2L—₹18L
Year 6₹18L₹60,794₹1L—₹17L
Year 7₹17L₹66,167₹1L—₹16L
Year 8₹16L₹72,016₹1L—₹16L
Year 9₹16L₹78,381₹1L—₹15L
Year 10₹15L₹85,309₹1L—₹14L
Year 11₹14L₹92,850₹1L—₹13L
Year 12₹13L₹1L₹1L—₹12L
Year 13₹12L₹1L₹98,288—₹11L
Year 14₹11L₹1L₹88,566—₹10L
Year 15₹10L₹1L₹77,984—₹8L
Year 16₹8L₹1L₹66,468—₹7L
Year 17₹7L₹2L₹53,933—₹5L
Year 18₹5L₹2L₹40,290—₹4L
Year 19₹4L₹2L₹25,442—₹2L
Year 20₹2L₹2L₹9,281—₹0
Prepayments are applied at the end of each year to reduce your balance faster.

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