How much do you still owe? Enter your loan and the number of EMIs paid to see the outstanding principal and how much interest is left.
Fill in the details and click Calculate to see your results.
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Your outstanding balance is the principal you still owe. In the early years of a long loan it falls slowly, because most of each EMI goes to interest — this calculator shows exactly how much.
Use it before a prepayment, a balance transfer or selling a property, to know the amount needed to close the loan.
| Loan Amount | ₹3,000,000 |
| Interest Rate | 8.5 % p.a. |
| Loan Tenure | 20 yrs |
| EMIs Already Paid | 60 EMIs |
| Outstanding balance | ₹26,43,815 |
| Principal repaid | ₹3,56,185 (11.9% of the loan) |
| Interest paid so far | ₹12,05,897 |
| Interest still to pay | ₹20,42,430 |
| EMIs left | 180 (15 yrs) |
| EMI | ₹26,035 |
₹3,56,185 (11.9% of the loan); ₹20,42,430.
Try this example →| Loan Amount | ₹1,000,000 |
| Interest Rate | 9 % p.a. |
| Loan Tenure | 7 yrs |
| EMIs Already Paid | 24 EMIs |
| Outstanding balance | ₹7,75,065 |
| Principal repaid | ₹2,24,935 (22.5% of the loan) |
| Interest paid so far | ₹1,61,203 |
| Interest still to pay | ₹1,90,280 |
| EMIs left | 60 (5 yrs) |
| EMI | ₹16,089 |
₹2,24,935 (22.5% of the loan); ₹1,90,280.
Try this example →In the first years most of each EMI is interest. On a 20-year loan at 8.5%, only about 12% of the principal is repaid in the first 5 years.
Close to it. Your bank's foreclosure statement adds interest for the days since the last EMI and any charges.
Prepay: an extra EMI each year, a yearly EMI increase or a lump sum all cut the balance quickly.