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Business Loan & Mortgage EMI Calculator + Amortization PDF

Calculate fixed monthly loan repayments, total interest cost, and export a complete month-by-month principal and interest amortization schedule PDF.

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How Loan Amortization Works Over Your Repayment Term

With a standard fixed-rate amortizing loan, your monthly payment (EMI) stays constant every month, while the split between interest and principal shifts over time:

  • Early Months: Because your outstanding principal balance is highest at the start, a larger share of each payment goes toward interest.
  • Later Months: As the balance decreases, each monthly installment pays down progressively more principal until the loan reaches zero.

Frequently Asked Questions

Can I download the full month-by-month payment table as a PDF?

Yes. Click 'Download Full Amortization Schedule PDF' to generate a multi-page A4 PDF listing every month's payment, principal reduction, interest charge, and remaining balance.

Does this calculator work for both business loans and mortgages?

Yes. Enter any principal amount, annual interest rate, and term in months (for example, 36 months for equipment finance or 300 months for a 25-year mortgage).

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