Home Loan Amortization Schedules
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For the blog post: http://saurabhj.com/2016/05/how-to-hack-your-home-loan/
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Option 1 - Schedule for 20 years with no part-payments
No.DateEMI Paid
Interest Comp
Principal Comp
Remaining Principal
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Loan Amount:5,000,000.0011-Jan-201646,606.5639,583.337,023.234,992,976.77
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Monthly EMI:46,606.5621-Feb-201646,606.5639,527.737,078.834,985,897.95
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Rate of Interest:9.50%31-Mar-201646,606.5639,471.697,134.874,978,763.08
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Number of Months:240 months41-Apr-201646,606.5639,415.217,191.354,971,571.73
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Total payable to bank:11,185,574.2551-May-201646,606.5639,358.287,248.284,964,323.45
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Actual Loan Amount Paid:11,185,574.2561-Jun-201646,606.5639,300.897,305.674,957,017.78
10
Savings due to prepayment:
071-Jul-201646,606.5639,243.067,363.504,949,654.28
11
Savings in Percentage:0.00%81-Aug-201646,606.5639,184.767,421.804,942,232.48
12
New Tenure:240 months91-Sep-201646,606.5639,126.017,480.554,934,751.93
13
101-Oct-201646,606.5639,066.797,539.774,927,212.16
14
111-Nov-201646,606.5639,007.107,599.464,919,612.69
15
121-Dec-201646,606.5638,946.937,659.634,911,953.07
16
131-Jan-201746,606.5638,886.307,720.264,904,232.80
17
141-Feb-201746,606.5638,825.187,781.384,896,451.42
18
151-Mar-201746,606.5638,763.577,842.994,888,608.43
19
161-Apr-201746,606.5638,701.487,905.084,880,703.36
20
171-May-201746,606.5638,638.907,967.664,872,735.70
21
181-Jun-201746,606.5638,575.828,030.744,864,704.97
22
191-Jul-201746,606.5638,512.258,094.314,856,610.65
23
201-Aug-201746,606.5638,448.178,158.394,848,452.26
24
211-Sep-201746,606.5638,383.588,222.984,840,229.28
25
221-Oct-201746,606.5638,318.488,288.084,831,941.21
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231-Nov-201746,606.5638,252.878,353.694,823,587.51
27
241-Dec-201746,606.5638,186.738,419.824,815,167.69
28
251-Jan-201846,606.5638,120.088,486.484,806,681.21
29
261-Feb-201846,606.5638,052.898,553.674,798,127.54
30
271-Mar-201846,606.5637,985.188,621.384,789,506.16
31
281-Apr-201846,606.5637,916.928,689.644,780,816.52
32
291-May-201846,606.5637,848.138,758.434,772,058.09
33
301-Jun-201846,606.5637,778.798,827.774,763,230.33
34
311-Jul-201846,606.5637,708.918,897.654,754,332.67
35
321-Aug-201846,606.5637,638.478,968.094,745,364.58
36
331-Sep-201846,606.5637,567.479,039.094,736,325.49
37
341-Oct-201846,606.5637,495.919,110.654,727,214.84
38
351-Nov-201846,606.5637,423.789,182.784,718,032.07
39
361-Dec-201846,606.5637,351.099,255.474,708,776.60
40
371-Jan-201946,606.5637,277.819,328.744,699,447.85
41
381-Feb-201946,606.5637,203.969,402.604,690,045.25
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391-Mar-201946,606.5637,129.529,477.034,680,568.22
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401-Apr-201946,606.5637,054.509,552.064,671,016.16
44
411-May-201946,606.5636,978.889,627.684,661,388.48
45
421-Jun-201946,606.5636,902.669,703.904,651,684.58
46
431-Jul-201946,606.5636,825.849,780.724,641,903.85
47
441-Aug-201946,606.5636,748.419,858.154,632,045.70
48
451-Sep-201946,606.5636,670.369,936.204,622,109.50
49
461-Oct-201946,606.5636,591.7010,014.864,612,094.64
50
471-Nov-201946,606.5636,512.4210,094.144,602,000.50
51
481-Dec-201946,606.5636,432.5010,174.064,591,826.44
52
491-Jan-202046,606.5636,351.9610,254.604,581,571.84
53
501-Feb-202046,606.5636,270.7810,335.784,571,236.06
54
511-Mar-202046,606.5636,188.9510,417.614,560,818.45
55
521-Apr-202046,606.5636,106.4810,500.084,550,318.37
56
531-May-202046,606.5636,023.3510,583.214,539,735.17
57
541-Jun-202046,606.5635,939.5710,666.994,529,068.18
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551-Jul-202046,606.5635,855.1210,751.444,518,316.74
59
561-Aug-202046,606.5635,770.0110,836.554,507,480.19
60
571-Sep-202046,606.5635,684.2210,922.344,496,557.85
61
581-Oct-202046,606.5635,597.7511,008.814,485,549.04
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591-Nov-202046,606.5635,510.6011,095.964,474,453.08
63
601-Dec-202046,606.5635,422.7511,183.814,463,269.27
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611-Jan-202146,606.5635,334.2211,272.344,451,996.93
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621-Feb-202146,606.5635,244.9811,361.584,440,635.34
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631-Mar-202146,606.5635,155.0311,451.534,429,183.81
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641-Apr-202146,606.5635,064.3711,542.194,417,641.63
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651-May-202146,606.5634,973.0011,633.564,406,008.06
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661-Jun-202146,606.5634,880.9011,725.664,394,282.40
70
671-Jul-202146,606.5634,788.0711,818.494,382,463.91
71
681-Aug-202146,606.5634,694.5111,912.054,370,551.86
72
691-Sep-202146,606.5634,600.2012,006.364,358,545.50
73
701-Oct-202146,606.5634,505.1512,101.414,346,444.09
74
711-Nov-202146,606.5634,409.3512,197.214,334,246.88
75
721-Dec-202146,606.5634,312.7912,293.774,321,953.11
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731-Jan-202246,606.5634,215.4612,391.104,309,562.01
77
741-Feb-202246,606.5634,117.3712,489.194,297,072.82
78
751-Mar-202246,606.5634,018.4912,588.074,284,484.75
79
761-Apr-202246,606.5633,918.8412,687.724,271,797.03
80
771-May-202246,606.5633,818.3912,788.174,259,008.87
81
781-Jun-202246,606.5633,717.1512,889.414,246,119.46
82
791-Jul-202246,606.5633,615.1112,991.454,233,128.01
83
801-Aug-202246,606.5633,512.2613,094.304,220,033.72
84
811-Sep-202246,606.5633,408.6013,197.964,206,835.76
85
821-Oct-202246,606.5633,304.1213,302.444,193,533.31
86
831-Nov-202246,606.5633,198.8113,407.754,180,125.56
87
841-Dec-202246,606.5633,092.6613,513.904,166,611.66
88
851-Jan-202346,606.5632,985.6813,620.884,152,990.78
89
861-Feb-202346,606.5632,877.8413,728.724,139,262.06
90
871-Mar-202346,606.5632,769.1613,837.404,125,424.66
91
881-Apr-202346,606.5632,659.6113,946.954,111,477.71
92
891-May-202346,606.5632,549.2014,057.364,097,420.35
93
901-Jun-202346,606.5632,437.9114,168.654,083,251.70
94
911-Jul-202346,606.5632,325.7414,280.824,068,970.89
95
921-Aug-202346,606.5632,212.6914,393.874,054,577.01
96
931-Sep-202346,606.5632,098.7314,507.824,040,069.19
97
941-Oct-202346,606.5631,983.8814,622.684,025,446.51
98
951-Nov-202346,606.5631,868.1214,738.444,010,708.07
99
961-Dec-202346,606.5631,751.4414,855.123,995,852.95
100
971-Jan-202446,606.5631,633.8414,972.723,980,880.23
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Option 1 - No Part Payments
Option 2 - Increase in EMIs
Option 3 - Part Payments
Option 4 - Realistic