Loan Schedule Calculator
Required
Principal Amount
Interest Rate (% per year)
Start Date
Monthly EMI
Optional
Currency
None
INR (₹)
USD ($)
Number Format
Thousands (1,000)
Lakh (1,00,000)
Decimals
0
1
2
3
4
Inflation Rate (% per year)
2%–10%. Used for effective (real) interest.
Part Payments
+ Add Part Payment
Calculate Schedule
Summary
ⓘ
Interest you pay in future years is worth less in today’s money due to inflation. Effective interest = sum of (nominal interest each month × (1 − inflation rate)^years from start). So it’s the “real” cost in today’s terms.
Loan Schedule
Month
Date
Opening Principal
EMI
∑
Interest
∑
Effective Interest
∑
Principal Paid
∑
Part Payment
Closing Principal