Loan Instalment (EMI) Planner

Monthly instalment, total interest and full amortization schedule

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Loan details

Loan amount

৳

Annual interest rate

Tenure (years)

Extra months

Interest method

Banks in Bangladesh generally use the reducing-balance method. A flat rate charges interest on the original principal for the whole tenure, which costs almost twice as much.

Amortization schedule

year	Principal	Interest	Balance
1	1,62,268	92,696	8,37,732
2	1,79,260	75,705	6,58,472
3	1,98,031	56,934	4,60,442
4	2,18,767	36,198	2,41,675
5	2,41,675	13,290	0

Monthly instalment (EMI)

BDT 21,247

Principal: BDT 10,00,000
Total interest: BDT 2,74,823
Total payment: BDT 12,74,823
Instalments: 60
Interest as % of principal: 27.5%

Green = principal, grey = interest

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