EMI Calculator with Year-wise Schedule
Enter loan issue date, EMI start date, amount, rate and tenure. Download the full schedule for Excel or save it as PDF.
Year-wise repayment summary
Use this view for quick yearly cash-flow and interest planning.
| Year | EMI paid | Principal | Interest | Closing balance |
|---|---|---|---|---|
| 2026-27 | ₹1,07,470 | ₹64,844 | ₹42,625 | ₹9,35,156 |
| 2027-28 | ₹2,57,927 | ₹1,67,651 | ₹90,275 | ₹7,67,504 |
| 2028-29 | ₹2,57,927 | ₹1,86,127 | ₹71,800 | ₹5,81,377 |
| 2029-30 | ₹2,57,927 | ₹2,06,639 | ₹51,288 | ₹3,74,738 |
| 2030-31 | ₹2,57,927 | ₹2,29,411 | ₹28,515 | ₹1,45,327 |
| 2031-32 | ₹1,50,457 | ₹1,45,327 | ₹5,131 | ₹0 |
Complete EMI schedule
60 monthly rows. Download CSV to open in Excel.
| No. | Date | EMI | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | 01 Nov 2026 | ₹21,494 | ₹12,744 | ₹8,750 | ₹9,87,256 |
| 2 | 01 Dec 2026 | ₹21,494 | ₹12,855 | ₹8,638 | ₹9,74,401 |
| 3 | 01 Jan 2027 | ₹21,494 | ₹12,968 | ₹8,526 | ₹9,61,433 |
| 4 | 01 Feb 2027 | ₹21,494 | ₹13,081 | ₹8,413 | ₹9,48,351 |
| 5 | 01 Mar 2027 | ₹21,494 | ₹13,196 | ₹8,298 | ₹9,35,156 |
| 6 | 01 Apr 2027 | ₹21,494 | ₹13,311 | ₹8,183 | ₹9,21,844 |
| 7 | 01 May 2027 | ₹21,494 | ₹13,428 | ₹8,066 | ₹9,08,417 |
| 8 | 01 Jun 2027 | ₹21,494 | ₹13,545 | ₹7,949 | ₹8,94,871 |
| 9 | 01 Jul 2027 | ₹21,494 | ₹13,664 | ₹7,830 | ₹8,81,208 |
| 10 | 01 Aug 2027 | ₹21,494 | ₹13,783 | ₹7,711 | ₹8,67,424 |
| 11 | 01 Sept 2027 | ₹21,494 | ₹13,904 | ₹7,590 | ₹8,53,520 |
| 12 | 01 Oct 2027 | ₹21,494 | ₹14,026 | ₹7,468 | ₹8,39,495 |
| 13 | 01 Nov 2027 | ₹21,494 | ₹14,148 | ₹7,346 | ₹8,25,346 |
| 14 | 01 Dec 2027 | ₹21,494 | ₹14,272 | ₹7,222 | ₹8,11,074 |
| 15 | 01 Jan 2028 | ₹21,494 | ₹14,397 | ₹7,097 | ₹7,96,677 |
| 16 | 01 Feb 2028 | ₹21,494 | ₹14,523 | ₹6,971 | ₹7,82,154 |
| 17 | 01 Mar 2028 | ₹21,494 | ₹14,650 | ₹6,844 | ₹7,67,504 |
| 18 | 01 Apr 2028 | ₹21,494 | ₹14,778 | ₹6,716 | ₹7,52,726 |
| 19 | 01 May 2028 | ₹21,494 | ₹14,908 | ₹6,586 | ₹7,37,818 |
| 20 | 01 Jun 2028 | ₹21,494 | ₹15,038 | ₹6,456 | ₹7,22,780 |
| 21 | 01 Jul 2028 | ₹21,494 | ₹15,170 | ₹6,324 | ₹7,07,611 |
| 22 | 01 Aug 2028 | ₹21,494 | ₹15,302 | ₹6,192 | ₹6,92,309 |
| 23 | 01 Sept 2028 | ₹21,494 | ₹15,436 | ₹6,058 | ₹6,76,872 |
| 24 | 01 Oct 2028 | ₹21,494 | ₹15,571 | ₹5,923 | ₹6,61,301 |
| 25 | 01 Nov 2028 | ₹21,494 | ₹15,708 | ₹5,786 | ₹6,45,594 |
| 26 | 01 Dec 2028 | ₹21,494 | ₹15,845 | ₹5,649 | ₹6,29,749 |
| 27 | 01 Jan 2029 | ₹21,494 | ₹15,984 | ₹5,510 | ₹6,13,765 |
| 28 | 01 Feb 2029 | ₹21,494 | ₹16,123 | ₹5,370 | ₹5,97,642 |
| 29 | 01 Mar 2029 | ₹21,494 | ₹16,265 | ₹5,229 | ₹5,81,377 |
| 30 | 01 Apr 2029 | ₹21,494 | ₹16,407 | ₹5,087 | ₹5,64,970 |
| 31 | 01 May 2029 | ₹21,494 | ₹16,550 | ₹4,943 | ₹5,48,420 |
| 32 | 01 Jun 2029 | ₹21,494 | ₹16,695 | ₹4,799 | ₹5,31,725 |
| 33 | 01 Jul 2029 | ₹21,494 | ₹16,841 | ₹4,653 | ₹5,14,883 |
| 34 | 01 Aug 2029 | ₹21,494 | ₹16,989 | ₹4,505 | ₹4,97,895 |
| 35 | 01 Sept 2029 | ₹21,494 | ₹17,137 | ₹4,357 | ₹4,80,757 |
| 36 | 01 Oct 2029 | ₹21,494 | ₹17,287 | ₹4,207 | ₹4,63,470 |
| 37 | 01 Nov 2029 | ₹21,494 | ₹17,439 | ₹4,055 | ₹4,46,031 |
| 38 | 01 Dec 2029 | ₹21,494 | ₹17,591 | ₹3,903 | ₹4,28,440 |
| 39 | 01 Jan 2030 | ₹21,494 | ₹17,745 | ₹3,749 | ₹4,10,695 |
| 40 | 01 Feb 2030 | ₹21,494 | ₹17,900 | ₹3,594 | ₹3,92,795 |
| 41 | 01 Mar 2030 | ₹21,494 | ₹18,057 | ₹3,437 | ₹3,74,738 |
| 42 | 01 Apr 2030 | ₹21,494 | ₹18,215 | ₹3,279 | ₹3,56,523 |
| 43 | 01 May 2030 | ₹21,494 | ₹18,374 | ₹3,120 | ₹3,38,149 |
| 44 | 01 Jun 2030 | ₹21,494 | ₹18,535 | ₹2,959 | ₹3,19,614 |
| 45 | 01 Jul 2030 | ₹21,494 | ₹18,697 | ₹2,797 | ₹3,00,916 |
| 46 | 01 Aug 2030 | ₹21,494 | ₹18,861 | ₹2,633 | ₹2,82,055 |
| 47 | 01 Sept 2030 | ₹21,494 | ₹19,026 | ₹2,468 | ₹2,63,029 |
| 48 | 01 Oct 2030 | ₹21,494 | ₹19,192 | ₹2,302 | ₹2,43,837 |
| 49 | 01 Nov 2030 | ₹21,494 | ₹19,360 | ₹2,134 | ₹2,24,477 |
| 50 | 01 Dec 2030 | ₹21,494 | ₹19,530 | ₹1,964 | ₹2,04,947 |
| 51 | 01 Jan 2031 | ₹21,494 | ₹19,701 | ₹1,793 | ₹1,85,246 |
| 52 | 01 Feb 2031 | ₹21,494 | ₹19,873 | ₹1,621 | ₹1,65,373 |
| 53 | 01 Mar 2031 | ₹21,494 | ₹20,047 | ₹1,447 | ₹1,45,327 |
| 54 | 01 Apr 2031 | ₹21,494 | ₹20,222 | ₹1,272 | ₹1,25,104 |
| 55 | 01 May 2031 | ₹21,494 | ₹20,399 | ₹1,095 | ₹1,04,705 |
| 56 | 01 Jun 2031 | ₹21,494 | ₹20,578 | ₹916 | ₹84,127 |
| 57 | 01 Jul 2031 | ₹21,494 | ₹20,758 | ₹736 | ₹63,370 |
| 58 | 01 Aug 2031 | ₹21,494 | ₹20,939 | ₹554 | ₹42,430 |
| 59 | 01 Sept 2031 | ₹21,494 | ₹21,123 | ₹371 | ₹21,307 |
| 60 | 01 Oct 2031 | ₹21,494 | ₹21,307 | ₹186 | ₹0 |
Figures are estimates based on reducing balance EMI calculation. Bank rounding, processing fees, moratorium, part-payment and reset terms can change the final schedule.
How the EMI schedule is calculated
The EMI calculator uses the standard reducing balance formula from the selected EMI start date. Loan issue date is used to show the gap before the first EMI and an approximate pre-EMI interest figure.
Year-wise data
Choose financial year or calendar year to see total EMI paid, principal repaid, interest cost and closing balance for each year.
Excel import
Download the CSV schedule and open it in Excel, Google Sheets or accounting working papers for further analysis.
PDF record
Use the PDF / Print button to save a clean repayment schedule for discussion with your lender or internal records.
The result is an estimate. Bank charges, day-count method, moratorium, interest reset, part-payment and rounding can change the final lender statement.
Discuss loan and accounting records