Enter your loan details below and add rate changes, part payments, or EMI changes as "endorsements" — the schedule updates like a running bank passbook.
FOR ILLUSTRATION ONLY
!
Not financial advice. This tool is built for the general public purely for representational and educational purposes — to help you understand how part payments, rate changes, and EMI changes affect a loan over time. The maker of this tool is not a financial expert, and the figures shown are simplified estimates, not a substitute for your loan statement or a qualified advisor. Please verify all numbers with your bank before making any financial decision.
Section 01
Loan details
The starting terms of your loan, as they appear on your sanction letter.
Leave empty to use today's date.
Section 02
Endorsements
Add any events that happened (or that you're planning) during the loan — a rate revision, a part payment, or a change in EMI.
Interest rate change
Part payment
EMI change
No endorsements added yet — the schedule below uses your base loan terms as-is.
Section 03
Summary
Section 04
Outstanding balance over time
A running plot of your closing balance each month. Markers show where an endorsement took effect.
Section 05
Monthly ledger
Every payment, in order. Highlighted rows mark a month where an endorsement took effect.