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Property Loan & EMI Calculator

Dynamic amortization simulator – rate revisions, prepayments & progressive disbursement

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Loan Configuration

Tip: type 500k or 1.2m.

%
Progressive disbursement For under-construction developments
Stages Schedule

Timeline Events

Model future scenarios – rate revisions or lump-sum prepayments.

Calculation Engine

Calculates interest on daily/declining monthly balances. Adjusts payments dynamically to handle rate fluctuations and lump sums.

  • Loan Principal: Type 500k ($500,000) or 1.2m ($1,200,000).
  • Timeline Actions: Add rate adjustments or prepayments. Prepayments can either **shorten the tenure** (maximum interest savings) or **lower your EMI** (free up cash flow).
  • Progressive Disbursement: If active, you only pay interest on disbursed funds. Add stage releases via events. Full amortization starts automatically once fully disbursed.
Starting Monthly EMI
/mo
Principal
Total Interest
Total Outflow
Principal Interest

Yearly principal vs interest

How each year's payments split between paying down debt and interest cost

Cost multiplier
/ $1.00
Paid back per dollar loaned

Amortization curve

Balance remaining Cumulative interest

Cost breakdown

Of total outflow

Interest
Principal
Interest

Amortization schedule

Click a year to drill into months

Period Rate Disbursed Principal Interest Payment Prepay Balance

Property loan projections are mathematical estimates. Consult qualified financial advisors for official mortgage commitments.