What is an amortization schedule?

An amortization schedule shows each loan payment broken down into principal and interest components, along with the remaining balance after each payment. It helps you understand how much of your payment goes toward interest vs. principal over the life of the loan.

Can I export the schedule to Excel?

Yes. Click "Download CSV" to get a .csv file that opens directly in Excel, Google Sheets, or any spreadsheet application. The file includes monthly breakdown plus a summary section.

Does the calculator work for 0% interest loans?

Yes. Enter 0% as the interest rate and the EMI will be calculated as simple principal divided by tenure months. The schedule will show zero interest for every month.

What does "cumulative principal/interest" mean?

Cumulative columns show the running total of principal and interest paid up to that month. By the final month, cumulative principal equals the original loan amount, and cumulative interest equals total interest paid.

EMI Amortization Schedule Export

Calculate EMI and generate a complete month-by-month amortization schedule. Export to CSV (Excel-compatible) or PDF.

Loan Details

Loan Principal (PKR)

Annual Interest Rate (%)

Tenure (Months)

Tenure (Years)

Summary

Monthly EMI

PKR 10,258.27

Total Payment

PKR 6,15,495.94

Total Interest

PKR 1,15,495.94

Interest % of Total

18.76%

View Amortization Schedule (60 months)

Month	EMI	Principal	Interest	Balance
1	10,258.27	6,716.60	3,541.67	4,93,283.40
2	10,258.27	6,764.17	3,494.09	4,86,519.23
3	10,258.27	6,812.09	3,446.18	4,79,707.14
4	10,258.27	6,860.34	3,397.93	4,72,846.80
5	10,258.27	6,908.93	3,349.33	4,65,937.86
6	10,258.27	6,957.87	3,300.39	4,58,979.99
7	10,258.27	7,007.16	3,251.11	4,51,972.83
8	10,258.27	7,056.79	3,201.47	4,44,916.04
9	10,258.27	7,106.78	3,151.49	4,37,809.27
10	10,258.27	7,157.12	3,101.15	4,30,652.15
11	10,258.27	7,207.81	3,050.45	4,23,444.34
12	10,258.27	7,258.87	2,999.40	4,16,185.47
13	10,258.27	7,310.29	2,947.98	4,08,875.18
14	10,258.27	7,362.07	2,896.20	4,01,513.12
15	10,258.27	7,414.21	2,844.05	3,94,098.90
16	10,258.27	7,466.73	2,791.53	3,86,632.17
17	10,258.27	7,519.62	2,738.64	3,79,112.55
18	10,258.27	7,572.89	2,685.38	3,71,539.66
19	10,258.27	7,626.53	2,631.74	3,63,913.14
20	10,258.27	7,680.55	2,577.72	3,56,232.59
21	10,258.27	7,734.95	2,523.31	3,48,497.64
22	10,258.27	7,789.74	2,468.52	3,40,707.90
23	10,258.27	7,844.92	2,413.35	3,32,862.98
24	10,258.27	7,900.49	2,357.78	3,24,962.49
25	10,258.27	7,956.45	2,301.82	3,17,006.05
26	10,258.27	8,012.81	2,245.46	3,08,993.24
27	10,258.27	8,069.56	2,188.70	3,00,923.68
28	10,258.27	8,126.72	2,131.54	2,92,796.95
29	10,258.27	8,184.29	2,073.98	2,84,612.67
30	10,258.27	8,242.26	2,016.01	2,76,370.41
31	10,258.27	8,300.64	1,957.62	2,68,069.76
32	10,258.27	8,359.44	1,898.83	2,59,710.33
33	10,258.27	8,418.65	1,839.61	2,51,291.67
34	10,258.27	8,478.28	1,779.98	2,42,813.39
35	10,258.27	8,538.34	1,719.93	2,34,275.05
36	10,258.27	8,598.82	1,659.45	2,25,676.24
37	10,258.27	8,659.73	1,598.54	2,17,016.51
38	10,258.27	8,721.07	1,537.20	2,08,295.45
39	10,258.27	8,782.84	1,475.43	1,99,512.61
40	10,258.27	8,845.05	1,413.21	1,90,667.56
41	10,258.27	8,907.70	1,350.56	1,81,759.85
42	10,258.27	8,970.80	1,287.47	1,72,789.05
43	10,258.27	9,034.34	1,223.92	1,63,754.71
44	10,258.27	9,098.34	1,159.93	1,54,656.37
45	10,258.27	9,162.78	1,095.48	1,45,493.59
46	10,258.27	9,227.69	1,030.58	1,36,265.90
47	10,258.27	9,293.05	965.22	1,26,972.85
48	10,258.27	9,358.87	899.39	1,17,613.98
49	10,258.27	9,425.17	833.10	1,08,188.81
50	10,258.27	9,491.93	766.34	98,696.88
51	10,258.27	9,559.16	699.10	89,137.72
52	10,258.27	9,626.87	631.39	79,510.85
53	10,258.27	9,695.06	563.20	69,815.78
54	10,258.27	9,763.74	494.53	60,052.05
55	10,258.27	9,832.90	425.37	50,219.15
56	10,258.27	9,902.55	355.72	40,316.60
57	10,258.27	9,972.69	285.58	30,343.91
58	10,258.27	10,043.33	214.94	20,300.58
59	10,258.27	10,114.47	143.80	10,186.11
60	10,258.27	10,186.11	72.15	0.00

Click Download CSV for Excel/Sheets or Download PDF for a formatted printable schedule.

Understanding Your Amortization Schedule

What the Columns Mean

Month: Payment number (1 to tenure).
EMI: Fixed monthly payment (principal + interest).
Principal: Portion of EMI that reduces the loan balance.
Interest: Portion of EMI that goes to the lender as interest.
Balance: Remaining loan amount after this payment.

Key Insights

Early payments are mostly interest; later payments are mostly principal.
Total interest can exceed 50% of principal for long tenures at high rates.
Prepaying principal early saves significant interest.
0% interest loans: EMI = Principal ÷ Months; interest column stays zero.

CSV Format

The CSV includes all monthly rows plus a summary section with loan parameters. Opens directly in Excel, Google Sheets, LibreOffice Calc.

PDF Format

The PDF is a formatted, printable document with summary boxes and a paginated table. Suitable for loan files, bank submissions, or personal records.

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