Interest vs Principal Calculator
How each year's EMI splits between interest and principal.
Interest vs Principal Calculator
How each year's EMI splits between interest and principal.
- Interest paid in year 1
- ₹2.68 lakh
- Principal repaid that year
- ₹56,181
- Share going to interest
- 82.7%
- EMI
- ₹26,992
How is this calculated?
Formula: Each month's interest is the outstanding balance × monthly rate; the rest of the EMI reduces principal. Early years are interest-heavy.
Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.
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How this calculator works
Each month's interest is the outstanding balance × monthly rate; the rest of the EMI reduces principal. Early years are interest-heavy.
Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.
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