Loan EMI & Amortization Calculator

Calculate loan EMIs and lease repayments, track extra payments and rate changes, and prepare financial year summaries with Excel exports.

Primary Loan & Lease Terms

Loan / Lease Principal (₹)

Disbursement Date

Base Annual Interest Rate (% p.a.)

Loan / Lease Term (Months)

Repayment Frequency

Repayment DateChoose a manual first payment date; later dates follow the selected frequency.

Repayment CalculationThe final installment settles any remaining balance. Flexible EMI recalculates after rate or disbursement changes.

Add optional part-payments, additional drawdowns, rate revisions or revised fixed rental amounts.

Date	Event Type	Amount / Rate	Description	Actions

No custom events added. You can proceed with the standard schedule.

Repayment and interest aggregation with closing liability by financial year.

Financial Year	Opening Balance (₹)	Total Cash Payments (₹)	Interest (₹)	Closing Balance (₹)

#	Payment Date	FY	Opening Balance	EMI / Rental	Additional Tranche Payment	Interest	Principal	Net Extra / Drawdown	Closing Balance