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Home Loan Amortization Schedule
See exactly where every EMI goes. Change the amount, rate and tenure, then switch between a year-by-year and a month-by-month repayment schedule.
Prepayment options (optional): pay extra to finish sooner
Repayment schedule for ₹50 lakh at 8.5% over 20 years
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹99,511 | ₹4,21,182 | ₹5,20,694 | ₹49,00,489 |
| Year 2 | ₹1,08,307 | ₹4,12,387 | ₹5,20,694 | ₹47,92,181 |
| Year 3 | ₹1,17,881 | ₹4,02,813 | ₹5,20,694 | ₹46,74,300 |
| Year 4 | ₹1,28,300 | ₹3,92,394 | ₹5,20,694 | ₹45,46,000 |
| Year 5 | ₹1,39,641 | ₹3,81,053 | ₹5,20,694 | ₹44,06,359 |
| Year 6 | ₹1,51,984 | ₹3,68,710 | ₹5,20,694 | ₹42,54,375 |
| Year 7 | ₹1,65,418 | ₹3,55,276 | ₹5,20,694 | ₹40,88,957 |
| Year 8 | ₹1,80,039 | ₹3,40,655 | ₹5,20,694 | ₹39,08,918 |
| Year 9 | ₹1,95,953 | ₹3,24,741 | ₹5,20,694 | ₹37,12,965 |
| Year 10 | ₹2,13,274 | ₹3,07,420 | ₹5,20,694 | ₹34,99,691 |
| Year 11 | ₹2,32,125 | ₹2,88,569 | ₹5,20,694 | ₹32,67,566 |
| Year 12 | ₹2,52,643 | ₹2,68,051 | ₹5,20,694 | ₹30,14,923 |
| Year 13 | ₹2,74,974 | ₹2,45,720 | ₹5,20,694 | ₹27,39,949 |
| Year 14 | ₹2,99,279 | ₹2,21,415 | ₹5,20,694 | ₹24,40,670 |
| Year 15 | ₹3,25,733 | ₹1,94,961 | ₹5,20,694 | ₹21,14,937 |
| Year 16 | ₹3,54,525 | ₹1,66,169 | ₹5,20,694 | ₹17,60,412 |
| Year 17 | ₹3,85,862 | ₹1,34,832 | ₹5,20,694 | ₹13,74,550 |
| Year 18 | ₹4,19,968 | ₹1,00,726 | ₹5,20,694 | ₹9,54,582 |
| Year 19 | ₹4,57,090 | ₹63,604 | ₹5,20,694 | ₹4,97,492 |
| Year 20 | ₹4,97,492 | ₹23,202 | ₹5,20,694 | ₹0 |
First 12 months, month by month
| Month | EMI paid | Principal | Interest | Balance left |
|---|---|---|---|---|
| Month 1 | ₹43,391 | ₹7,974 | ₹35,417 | ₹49,92,026 |
| Month 2 | ₹43,391 | ₹8,031 | ₹35,360 | ₹49,83,995 |
| Month 3 | ₹43,391 | ₹8,088 | ₹35,303 | ₹49,75,907 |
| Month 4 | ₹43,391 | ₹8,145 | ₹35,246 | ₹49,67,762 |
| Month 5 | ₹43,391 | ₹8,203 | ₹35,188 | ₹49,59,559 |
| Month 6 | ₹43,391 | ₹8,261 | ₹35,130 | ₹49,51,298 |
| Month 7 | ₹43,391 | ₹8,319 | ₹35,072 | ₹49,42,978 |
| Month 8 | ₹43,391 | ₹8,378 | ₹35,013 | ₹49,34,600 |
| Month 9 | ₹43,391 | ₹8,438 | ₹34,953 | ₹49,26,162 |
| Month 10 | ₹43,391 | ₹8,498 | ₹34,894 | ₹49,17,665 |
| Month 11 | ₹43,391 | ₹8,558 | ₹34,833 | ₹49,09,107 |
| Month 12 | ₹43,391 | ₹8,618 | ₹34,773 | ₹49,00,489 |
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Frequently asked questions
What is a home loan amortization schedule?
It is the full list of your loan payments, showing how much of each EMI pays interest, how much repays principal, and the balance left after each payment.
Why is most of my early EMI interest?
Interest is charged on what you still owe, which is highest at the start. On ₹50 lakh at 8.5% for 20 years, about 81% of what you pay in year 1 is interest, falling to about 37% in year 15.
How can I pay less interest?
Prepay when you can, especially in the early years, choose a shorter tenure if the EMI is affordable, or move to a lower rate.