Generate a full repayment schedule showing how each EMI splits into principal and interest.
Amortization Calculator
The Amortization Calculator generates a full repayment schedule for any loan, showing how each monthly payment splits between principal and interest, and lets you export it as CSV.
Every payment, itemised
Enter the loan amount, rate, and term and the tool produces a row-by-row table for the entire loan: the payment number, how much goes to interest, how much reduces the principal, and the remaining balance. Watching the balance fall - slowly at first, then faster - makes the true shape of a loan clear.
Plan overpayments and export
The schedule reveals exactly how much interest you would save by paying extra early, since those payments hit principal directly. Download the whole table as a CSV to open in Excel or Google Sheets for your own analysis, budgeting, or record-keeping.
Frequently Asked Questions
What is an amortization schedule?
It is a table listing every loan payment, showing how much of each goes to interest and principal, and the balance remaining after each payment.
Why does the principal portion grow over time?
As the balance falls, less interest is charged, so a larger share of each fixed payment goes toward reducing the principal.
Can I export the schedule?
Yes. You can download the full schedule as a CSV file to open in Excel, Google Sheets, or any spreadsheet app.
How do extra payments affect the schedule?
Extra payments reduce the principal directly, shortening the loan and cutting total interest - especially when made early.
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