Amortization Schedule Viewer
See your loan’s full month-by-month schedule — exactly how much goes to principal vs interest.
An amortization schedule breaks every EMI into its principal and interest parts, month by month. Early in a loan, most of your EMI is interest — on a 20-year home loan, you pay more in interest than principal for the first several years. Seeing this table is what convinces most people to prepay.
How to use the amortization schedule viewer
- Enter loan amount, rate and tenure.
- View the full month-by-month table.
- Notice how interest dominates the early EMIs.
Amortization Schedule Viewer — FAQs
What is loan amortization?
Amortization is the process of paying off a loan through fixed monthly EMIs, where each payment is split between interest (on the remaining balance) and principal.
Why is the interest share so high at the start?
Interest is charged on the outstanding balance, which is largest at the beginning. As principal gets repaid, the interest portion of each EMI shrinks.
How does prepayment change the schedule?
A prepayment directly cuts the outstanding principal, so all future interest is calculated on a smaller balance — the effect compounds over the remaining tenure.
Fixed vs floating rate in the schedule?
This schedule assumes a fixed rate. With floating rates, the lender recalculates your schedule whenever the rate changes.
Keep exploring
People who used this also opened:
EMI Calculator →
Work out your exact monthly EMI for any home, car or personal loan.
loansLoan Prepayment Calculator →
See how much interest a part-prepayment saves — and how many months it cuts.
loansEMI vs Lumpsum Prepayment Calculator →
Compare paying extra EMIs versus a one-time prepayment — see which saves more interest.
loansMortgage Calculator →
Estimate monthly home loan payments, total interest and the payoff timeline.