EMI LEDGER

Loan intelligence

Live calculation

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

Build your scenario

Select your loan typeapplies editable defaultsTotal loan / property valueINR

₹

Down payment20%

₹

Tenureyears

Rate mode

Floating rate blend

Base market rate + lender spread

Base rate

Spread+ / -

Current blended rate8.50%

Annual prepaymentoptional

₹

Processing feeof principal

Insurance

₹

Other charges

₹

Your scenarios stay in this browser only

Monthly EMI

₹17,356.46

8.50% reducing

Total interest

₹21.66L

240 months to close

Loan principal

₹20.00L

₹5.00L down

Total cost

₹41.93L

₹27,000.00 extra fees

Your repayment snapshot

₹17,356.46

estimated monthly reducing-balance EMI

Effective rate

8.50%

base + spread

Principal

₹20.00L

Interest

₹21.66L

Tenure

20 yrs

Interest share

51.99%

Cost composition

Where your money goes

Extra fees
Interest
Principal

Yearly progression

Reducing balance journey

Repayment detail

Amortization schedule

Year	Opening balance	Principal	Interest	Prepayment	Closing balance
Year 1	₹20.00L	₹39,804.58	₹1.68L	—	₹19.60L
Year 2	₹19.60L	₹43,322.95	₹1.65L	—	₹19.17L
Year 3	₹19.17L	₹47,152.30	₹1.61L	—	₹18.70L
Year 4	₹18.70L	₹51,320.14	₹1.57L	—	₹18.18L
Year 5	₹18.18L	₹55,856.37	₹1.52L	—	₹17.63L
Year 6	₹17.63L	₹60,793.56	₹1.47L	—	₹17.02L
Year 7	₹17.02L	₹66,167.16	₹1.42L	—	₹16.36L
Year 8	₹16.36L	₹72,015.74	₹1.36L	—	₹15.64L
Year 9	₹15.64L	₹78,381.27	₹1.30L	—	₹14.85L
Year 10	₹14.85L	₹85,309.47	₹1.23L	—	₹14.00L
Year 11	₹14.00L	₹92,850.05	₹1.15L	—	₹13.07L
Year 12	₹13.07L	₹1.01L	₹1.07L	—	₹12.06L
Year 13	₹12.06L	₹1.10L	₹98,287.90	—	₹10.96L
Year 14	₹10.96L	₹1.20L	₹88,565.81	—	₹9.76L
Year 15	₹9.76L	₹1.30L	₹77,984.38	—	₹8.46L
Year 16	₹8.46L	₹1.42L	₹66,467.64	—	₹7.04L
Year 17	₹7.04L	₹1.54L	₹53,932.93	—	₹5.50L
Year 18	₹5.50L	₹1.68L	₹40,290.27	—	₹3.82L
Year 19	₹3.82L	₹1.83L	₹25,441.72	—	₹1.99L
Year 20	₹1.99L	₹1.99L	₹9,280.70	—	₹0.00

Prepayments are applied at the end of each year to reduce your balance faster.

Take it with you

Export your scenario

Preview your report in the format that fits your workflow.

Free online calculators for India

EMI, mileage, time, fuel cost and EV electricity calculations in one place

Use the EMI calculator for home, car, personal, education and bike loans with fixed or floating interest. Check vehicle efficiency with the mileage calculator, find hours and minutes with the time duration calculator, estimate a journey with the fuel cost calculator, or calculate km per kWh and charging cost with the EV electricity calculator.

Languages:हिन्दी বাংলা मराठी తెలుగు தமிழ்ગુજરાતી ಕನ್ನಡ മലയാളം ਪੰਜਾਬੀ About EMI Ledger