Your monthly installment, the interest vs principal split over the life of the loan — and exactly what an extra monthly payment saves you in rupees and months.
Rs
%/yr
years
Rs/mo
Check your inputs — amount, rate and tenure must be positive.
Monthly installment
—
—
Total interest
—
—
Total paid
—
principal + interest
Paid off in
—
—
With — extra each month you save — in interest and finish — early.
Balance & where each payment goes
Interest portion of payments (cumulative)Outstanding balance
Year-by-year schedule
Year
Paid
Interest
Principal
Closing balance
Notes & assumptions
Standard reducing-balance (EMI) method with monthly compounding — the way most SL housing and personal loans work.
Extra payments are applied straight to principal each month, on top of the regular installment.
Variable-rate loans (e.g. AWPLR-linked) will reprice over time — rerun with a higher rate to stress-test your installment.
Fees, insurance and early-settlement charges are not included. An estimate for planning, not an offer.
These tools are provided as they are, for working things out. They are not part of Aether's audited model engine and their results are not checked against it. Satisfy yourself that a number is right before you rely on it.