Amortization Calculator

Month-by-month principal, interest and remaining balance, with CSV export.

Inspect how a loan is paid down. Zero-interest loans split principal evenly.

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loan

Input Parameters

Calculation Result

Calculated Result

10,379.18

Monthly instalment for 60 months.

Summary Breakdown

Monthly EMI

10,379.18

Principal

500,000.00

Total interest

122,750.65

Total repayment

622,750.80

Tenure (months)

Annual rate

This is a mathematical estimate, not a lender offer or credit decision.

Amortization schedule (60 entries)

Month	EMI	Interest	Principal	Balance
1	10,379.18	3,750.00	6,629.18	493,370.82
2	10,379.18	3,700.28	6,678.90	486,691.93
3	10,379.18	3,650.19	6,728.99	479,962.94
4	10,379.18	3,599.72	6,779.46	473,183.48
5	10,379.18	3,548.88	6,830.30	466,353.18
6	10,379.18	3,497.65	6,881.53	459,471.65
7	10,379.18	3,446.04	6,933.14	452,538.51
8	10,379.18	3,394.04	6,985.14	445,553.37
9	10,379.18	3,341.65	7,037.53	438,515.85
10	10,379.18	3,288.87	7,090.31	431,425.54
11	10,379.18	3,235.69	7,143.49	424,282.05
12	10,379.18	3,182.12	7,197.06	417,084.99

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Calculation Formula & Methodology

Interest_month = balance × monthly rate; principal_month = EMI − interest.

All arithmetic is processed locally in your browser session using IEEE 754 precision with boundary checks.

Worked example

Scenario: 0% interest, 3 months, 300 principal.

Calculated Outcome: Three 100 principal rows.

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Frequently Asked Questions

When should I use the Amortization Calculator?

Month-by-month principal, interest and remaining balance, with CSV export. Always read the formula and assumptions on the page before relying on a figure.