See a year-by-year and month-by-month amortization schedule for your home loan.
A ₹50,00,000 home at 8.75% over 25 years with 20% down has an EMI of ₹32,885.75. Over the term you pay ₹58,65,723.63 in interest on a ₹40,00,000.00 loan.
A mortgage amortization schedule shows how a home loan is repaid. For each year (and the first 12 months) it lists the interest, the principal repaid and the balance still owed. Enter the price, down payment, rate and term; optional property tax, insurance, maintenance and extra payments are included.
Because the balance falls slowly in the early years, homeowners who sell or refinance early have repaid less principal than they expect. See how a lump-sum overpayment changes the schedule, or compare the whole thing with the Mortgage Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Price | ₹50,00,000.00 |
| Down payment | ₹10,00,000.00 |
| Loan amount | ₹40,00,000.00 |
| Monthly payment (principal + interest) | ₹32,885.75 |
| Total interest | ₹58,65,723.63 |
| Total of all payments | ₹98,65,723.63 |
| Time to pay off | 25 years |
| Term | 7.75% p.a. | 8.75% p.a. | 9.75% p.a. |
|---|---|---|---|
| 10 years | ₹48,004.25 | ₹50,130.70 | ₹52,308.10 |
| 15 years | ₹37,651.03 | ₹39,977.95 | ₹42,374.51 |
| 20 years | ₹32,837.94 | ₹35,348.43 | ₹37,940.67 |
| 25 years | ₹30,213.15 | ₹32,885.75 | ₹35,645.50 |
A table of every mortgage payment showing how it is split between interest and principal and the remaining balance.
Much less than you might expect — on a long loan, the first-year EMIs are mostly interest.
You will have repaid little principal, so check the balance column before deciding.
Yes. They cut the balance and the number of payments, saving interest.
No. Property tax, insurance and maintenance are shown separately; they do not reduce your loan balance.
The first 12 months are listed below the summary; the yearly table covers the whole term.
It uses the standard formula: EMI = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1) The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
