Calculate EMI and month-wise principal-interest split for fixed-rate loans.
Updated
4339.12
| Month | Principal | Interest | Balance |
|---|---|---|---|
| 1 | 797.45 | 3541.67 | 499202.55 |
| 2 | 803.10 | 3536.02 | 498399.45 |
| 3 | 808.79 | 3530.33 | 497590.67 |
| 4 | 814.52 | 3524.60 | 496776.15 |
| 5 | 820.29 | 3518.83 | 495955.86 |
| 6 | 826.10 | 3513.02 | 495129.77 |
| 7 | 831.95 | 3507.17 | 494297.82 |
| 8 | 837.84 | 3501.28 | 493459.98 |
| 9 | 843.77 | 3495.34 | 492616.21 |
| 10 | 849.75 | 3489.36 | 491766.46 |
| 11 | 855.77 | 3483.35 | 490910.69 |
| 12 | 861.83 | 3477.28 | 490048.85 |
Quick start
Enter input and view computed output.
Paste or type data.
Run the analysis instantly.
Copy result for workflow use.
In-depth guide
An amortized loan is repaid in equal periodic instalments (EMIs), but the make-up of each instalment shifts over time — early payments are mostly interest, later ones mostly principal. This calculator computes the EMI and shows that split month by month, entirely in your browser.
The instalment is fixed by three inputs: the principal P, the monthly interest rate r (annual rate divided by 12), and the number of months n. EMI = P × r × (1 + r)^n ÷ ((1 + r)^n − 1). Because the rate applies to the shrinking outstanding balance, the interest portion falls every month while the principal portion rises to keep the total constant.
In the first year of a long mortgage, the bulk of every EMI is interest — which is why early extra repayments cut the most total interest. A shorter tenure raises the EMI but slashes lifetime interest; a longer tenure does the reverse. The schedule makes that trade-off concrete instead of abstract.
All calculation happens locally in your browser — the numbers you enter are never uploaded. Use the figures to compare options, then confirm exact amounts with your lender.
It is the month-by-month split of each fixed EMI into its interest and principal parts as the loan is paid down.
Yes. Enter the principal, annual rate and tenure to preview the EMI and the interest/principal breakdown.
Interest is charged on the outstanding balance, which is largest at the start. As the balance falls, the interest share of each EMI shrinks and the principal share grows.
A shorter tenure means a higher EMI but much less total interest; a longer tenure lowers the EMI but increases lifetime interest.
Yes. Paying extra early, when payments are interest-heavy, reduces the principal sooner and cuts the most total interest.
No. It is a planning estimate. Real loans add fees, insurance, taxes and possible rate resets your lender's official schedule reflects.
Keep exploring
Hand-picked utilities that pair well with the one you're on — all free, client-side, and zero-signup.
Monthly loan EMI, total interest and amortization schedule for home, car and personal loans.
Maturity value, total invested and returns for a monthly SIP at an expected annual rate.
Indian GST (5/12/18/28%) — add or remove tax with CGST + SGST or IGST breakdown.
Shrink PDF file size without uploading to a server.
Body Mass Index with metric / imperial inputs and WHO category bands.
Combine multiple PDFs into one in your browser.
Split a PDF by pages or page ranges, download as zip.