Calculate EMI, view the full amortisation schedule, and see exactly how top-up payments change your payoff — all instantly, in your browser.
| # | Date | Opening Balance | EMI | Interest | Principal | Top-up | Borrowing | Closing Balance |
|---|
Add one or more lump-sum payments on any date within the loan term to see their effect.
Also called a loan increase, further advance, or supplemental draw — this is when you borrow more money on the same loan, increasing your outstanding balance.
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is the principal, r is the monthly interest rate (annual rate ÷ 12 ÷ 100), and n is the tenure in months.
Reduce EMI keeps your tenure the same but lowers your monthly instalment after a top-up. Reduce Tenure keeps your EMI the same but pays the loan off sooner — this generally saves more total interest.
No. All calculations run entirely in your browser. Nothing is sent to or stored on our servers.
Yes. Add as many top-ups as you like, each with its own date and amount, and the schedule recalculates automatically.
Yes — use the Download CSV button above the schedule to export the full month-by-month breakdown.
All tools are free. If they've saved you time, consider supporting us.