Reducing Balance EMI Calculator

 Calculate EMI for loan with Reducing Balance Interest Rate method. Also check annual and monthly amortization tables.
In Reducing Balance Interest Rate method interest is calculated on the outstanding loan amount.


Loan Parameters
Loan Amount
₹
Interest rate
%
Loan term
Years
EMI Date
Repayment Details

Loan Amount : ₹ 1,00,000

Interest Rate : 12.00%

Loan Term : 60 months

EMI : ₹ 2,224

Total Interest : ₹ 33,467

Total Payments : ₹ 1,33,467

Repayment Chart
Payment Distribution Graph
Amortization Table
Year Total Payment Interest Principal Balance
  1 ₹ 26,693 ₹ 11,164 ₹ 15,529 ₹ 84,471
October-2025 2,224 1,000 1,224 98,776
November-2025 2,224 988 1,237 97,539
December-2025 2,224 975 1,249 96,290
January-2026 2,224 963 1,262 95,028
February-2026 2,224 950 1,274 93,754
March-2026 2,224 938 1,287 92,467
April-2026 2,224 925 1,300 91,167
May-2026 2,224 912 1,313 89,855
June-2026 2,224 899 1,326 88,529
July-2026 2,224 885 1,339 87,190
August-2026 2,224 872 1,353 85,837
September-2026 2,224 858 1,366 84,471
  2 ₹ 26,693 ₹ 9,195 ₹ 17,498 ₹ 66,972
October-2026 2,224 845 1,380 83,091
November-2026 2,224 831 1,394 81,698
December-2026 2,224 817 1,407 80,290
January-2027 2,224 803 1,422 78,869
February-2027 2,224 789 1,436 77,433
March-2027 2,224 774 1,450 75,983
April-2027 2,224 760 1,465 74,518
May-2027 2,224 745 1,479 73,039
June-2027 2,224 730 1,494 71,545
July-2027 2,224 715 1,509 70,036
August-2027 2,224 700 1,524 68,512
September-2027 2,224 685 1,539 66,972
  3 ₹ 26,693 ₹ 6,976 ₹ 19,718 ₹ 47,255
October-2027 2,224 670 1,555 65,418
November-2027 2,224 654 1,570 63,847
December-2027 2,224 638 1,586 62,262
January-2028 2,224 623 1,602 60,660
February-2028 2,224 607 1,618 59,042
March-2028 2,224 590 1,634 57,408
April-2028 2,224 574 1,650 55,757
May-2028 2,224 558 1,667 54,091
June-2028 2,224 541 1,684 52,407
July-2028 2,224 524 1,700 50,707
August-2028 2,224 507 1,717 48,989
September-2028 2,224 490 1,735 47,255
  4 ₹ 26,693 ₹ 4,475 ₹ 22,218 ₹ 25,036
October-2028 2,224 473 1,752 45,503
November-2028 2,224 455 1,769 43,733
December-2028 2,224 437 1,787 41,946
January-2029 2,224 419 1,805 40,141
February-2029 2,224 401 1,823 38,318
March-2029 2,224 383 1,841 36,477
April-2029 2,224 365 1,860 34,617
May-2029 2,224 346 1,878 32,739
June-2029 2,224 327 1,897 30,842
July-2029 2,224 308 1,916 28,926
August-2029 2,224 289 1,935 26,991
September-2029 2,224 270 1,955 25,036
  5 ₹ 26,693 ₹ 1,657 ₹ 25,036 ₹ -0
October-2029 2,224 250 1,974 23,062
November-2029 2,224 231 1,994 21,068
December-2029 2,224 211 2,014 19,055
January-2030 2,224 191 2,034 17,021
February-2030 2,224 170 2,054 14,966
March-2030 2,224 150 2,075 12,892
April-2030 2,224 129 2,096 10,796
May-2030 2,224 108 2,116 8,680
June-2030 2,224 87 2,138 6,542
July-2030 2,224 65 2,159 4,383
August-2030 2,224 44 2,181 2,202
September-2030 2,224 22 2,202 -0
Flat Rate EMI Calculator
Calculate EMI for a flat rate loan with annual and monthly amortization tables
Loan Amount ₹
Loan Term    years
Flat Rate   %


Reducing Balance EMI Calculator
Calculate EMI for loan with Reducing Balance Interest Rate method. Also check annual and monthly amortization tables.
Loan Amount  ₹ 
Loan Term     Years
Interest Rate %



Flat -vs- Reducing Balance Interest Rate
Check the EMI Calculations for Flat vs Reducing Balance Interest Rate
Loan Amount      ₹   
Loan Term       years
Flat Rate                   %
Reducing Balance Rate %



Convert Flat to Reducing Balance Interest Rate
This tool finds the effective interest rate for a flat rate interest loan.
Loan Amount      ₹   
Loan Term       years
Flat Interest Rate %
Compare EMI Tenures
Compare different loan tenures easily with our Loan Tenure Comparison Calculator. Enter your loan amount, interest rate, and multiple EMI options to see how repayment periods change.
Loan Amount  ₹ 
Interest rate     %
EMI-1  ₹ 
EMI-2  ₹ 
EMI-3  ₹ 



Compare EMI Calculations
Compare EMI calculations for 2 interest rates. See how EMI and total interest amount change for different interest rates and the same loan amount and tenure. Useful when bank interest rates are changes for existing loans.
Loan Amount  ₹ 
Loan Term     years
Interest Rate 1 %
Interest Rate 2 %




Flat Rate EMI Calculator | Reducing EMI Calculator | Flat -vs- Reducing Balance Interest Rate
Convert Flat to Reducing Balance Interest Rate | Compare EMI Calculations | EMI Tenure Calculations | EMI Moratorium Calculations

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