Payoff schedule
Loan Amortization
Year-by-year split of every rupee into principal and interest, plus remaining balance.
Formula
Each month: interest = outstanding × monthly rate; principal = EMI − interest.
About this calculator
The amortization table is the honest picture of a loan. In a 20-year home loan at 8.5%, more than half the interest is often paid in the first 8–9 years.