Home Loan Amortization Schedules

	A	B	E	F	G	H	I	J
1	For the blog post: http://saurabhj.com/2016/05/how-to-hack-your-home-loan/
2
3	Option 1 - Schedule for 20 years with no part-payments		No.	Date	EMI Paid	Interest Comp	Principal Comp	Remaining Principal
4	Loan Amount:	5,000,000.00	1	1-Jan-2016	46,606.56	39,583.33	7,023.23	4,992,976.77
5	Monthly EMI:	46,606.56	2	1-Feb-2016	46,606.56	39,527.73	7,078.83	4,985,897.95
6	Rate of Interest:	9.50%	3	1-Mar-2016	46,606.56	39,471.69	7,134.87	4,978,763.08
7	Number of Months:	240 months	4	1-Apr-2016	46,606.56	39,415.21	7,191.35	4,971,571.73
8	Total payable to bank:	11,185,574.25	5	1-May-2016	46,606.56	39,358.28	7,248.28	4,964,323.45
9	Actual Loan Amount Paid:	11,185,574.25	6	1-Jun-2016	46,606.56	39,300.89	7,305.67	4,957,017.78
10	Savings due to prepayment:	0	7	1-Jul-2016	46,606.56	39,243.06	7,363.50	4,949,654.28
11	Savings in Percentage:	0.00%	8	1-Aug-2016	46,606.56	39,184.76	7,421.80	4,942,232.48
12	New Tenure:	240 months	9	1-Sep-2016	46,606.56	39,126.01	7,480.55	4,934,751.93
13			10	1-Oct-2016	46,606.56	39,066.79	7,539.77	4,927,212.16
14			11	1-Nov-2016	46,606.56	39,007.10	7,599.46	4,919,612.69
15			12	1-Dec-2016	46,606.56	38,946.93	7,659.63	4,911,953.07
16			13	1-Jan-2017	46,606.56	38,886.30	7,720.26	4,904,232.80
17			14	1-Feb-2017	46,606.56	38,825.18	7,781.38	4,896,451.42
18			15	1-Mar-2017	46,606.56	38,763.57	7,842.99	4,888,608.43
19			16	1-Apr-2017	46,606.56	38,701.48	7,905.08	4,880,703.36
20			17	1-May-2017	46,606.56	38,638.90	7,967.66	4,872,735.70
21			18	1-Jun-2017	46,606.56	38,575.82	8,030.74	4,864,704.97
22			19	1-Jul-2017	46,606.56	38,512.25	8,094.31	4,856,610.65
23			20	1-Aug-2017	46,606.56	38,448.17	8,158.39	4,848,452.26
24			21	1-Sep-2017	46,606.56	38,383.58	8,222.98	4,840,229.28
25			22	1-Oct-2017	46,606.56	38,318.48	8,288.08	4,831,941.21
26			23	1-Nov-2017	46,606.56	38,252.87	8,353.69	4,823,587.51
27			24	1-Dec-2017	46,606.56	38,186.73	8,419.82	4,815,167.69
28			25	1-Jan-2018	46,606.56	38,120.08	8,486.48	4,806,681.21
29			26	1-Feb-2018	46,606.56	38,052.89	8,553.67	4,798,127.54
30			27	1-Mar-2018	46,606.56	37,985.18	8,621.38	4,789,506.16
31			28	1-Apr-2018	46,606.56	37,916.92	8,689.64	4,780,816.52
32			29	1-May-2018	46,606.56	37,848.13	8,758.43	4,772,058.09
33			30	1-Jun-2018	46,606.56	37,778.79	8,827.77	4,763,230.33
34			31	1-Jul-2018	46,606.56	37,708.91	8,897.65	4,754,332.67
35			32	1-Aug-2018	46,606.56	37,638.47	8,968.09	4,745,364.58
36			33	1-Sep-2018	46,606.56	37,567.47	9,039.09	4,736,325.49
37			34	1-Oct-2018	46,606.56	37,495.91	9,110.65	4,727,214.84
38			35	1-Nov-2018	46,606.56	37,423.78	9,182.78	4,718,032.07
39			36	1-Dec-2018	46,606.56	37,351.09	9,255.47	4,708,776.60
40			37	1-Jan-2019	46,606.56	37,277.81	9,328.74	4,699,447.85
41			38	1-Feb-2019	46,606.56	37,203.96	9,402.60	4,690,045.25
42			39	1-Mar-2019	46,606.56	37,129.52	9,477.03	4,680,568.22
43			40	1-Apr-2019	46,606.56	37,054.50	9,552.06	4,671,016.16
44			41	1-May-2019	46,606.56	36,978.88	9,627.68	4,661,388.48
45			42	1-Jun-2019	46,606.56	36,902.66	9,703.90	4,651,684.58
46			43	1-Jul-2019	46,606.56	36,825.84	9,780.72	4,641,903.85
47			44	1-Aug-2019	46,606.56	36,748.41	9,858.15	4,632,045.70
48			45	1-Sep-2019	46,606.56	36,670.36	9,936.20	4,622,109.50
49			46	1-Oct-2019	46,606.56	36,591.70	10,014.86	4,612,094.64
50			47	1-Nov-2019	46,606.56	36,512.42	10,094.14	4,602,000.50
51			48	1-Dec-2019	46,606.56	36,432.50	10,174.06	4,591,826.44
52			49	1-Jan-2020	46,606.56	36,351.96	10,254.60	4,581,571.84
53			50	1-Feb-2020	46,606.56	36,270.78	10,335.78	4,571,236.06
54			51	1-Mar-2020	46,606.56	36,188.95	10,417.61	4,560,818.45
55			52	1-Apr-2020	46,606.56	36,106.48	10,500.08	4,550,318.37
56			53	1-May-2020	46,606.56	36,023.35	10,583.21	4,539,735.17
57			54	1-Jun-2020	46,606.56	35,939.57	10,666.99	4,529,068.18
58			55	1-Jul-2020	46,606.56	35,855.12	10,751.44	4,518,316.74
59			56	1-Aug-2020	46,606.56	35,770.01	10,836.55	4,507,480.19
60			57	1-Sep-2020	46,606.56	35,684.22	10,922.34	4,496,557.85
61			58	1-Oct-2020	46,606.56	35,597.75	11,008.81	4,485,549.04
62			59	1-Nov-2020	46,606.56	35,510.60	11,095.96	4,474,453.08
63			60	1-Dec-2020	46,606.56	35,422.75	11,183.81	4,463,269.27
64			61	1-Jan-2021	46,606.56	35,334.22	11,272.34	4,451,996.93
65			62	1-Feb-2021	46,606.56	35,244.98	11,361.58	4,440,635.34
66			63	1-Mar-2021	46,606.56	35,155.03	11,451.53	4,429,183.81
67			64	1-Apr-2021	46,606.56	35,064.37	11,542.19	4,417,641.63
68			65	1-May-2021	46,606.56	34,973.00	11,633.56	4,406,008.06
69			66	1-Jun-2021	46,606.56	34,880.90	11,725.66	4,394,282.40
70			67	1-Jul-2021	46,606.56	34,788.07	11,818.49	4,382,463.91
71			68	1-Aug-2021	46,606.56	34,694.51	11,912.05	4,370,551.86
72			69	1-Sep-2021	46,606.56	34,600.20	12,006.36	4,358,545.50
73			70	1-Oct-2021	46,606.56	34,505.15	12,101.41	4,346,444.09
74			71	1-Nov-2021	46,606.56	34,409.35	12,197.21	4,334,246.88
75			72	1-Dec-2021	46,606.56	34,312.79	12,293.77	4,321,953.11
76			73	1-Jan-2022	46,606.56	34,215.46	12,391.10	4,309,562.01
77			74	1-Feb-2022	46,606.56	34,117.37	12,489.19	4,297,072.82
78			75	1-Mar-2022	46,606.56	34,018.49	12,588.07	4,284,484.75
79			76	1-Apr-2022	46,606.56	33,918.84	12,687.72	4,271,797.03
80			77	1-May-2022	46,606.56	33,818.39	12,788.17	4,259,008.87
81			78	1-Jun-2022	46,606.56	33,717.15	12,889.41	4,246,119.46
82			79	1-Jul-2022	46,606.56	33,615.11	12,991.45	4,233,128.01
83			80	1-Aug-2022	46,606.56	33,512.26	13,094.30	4,220,033.72
84			81	1-Sep-2022	46,606.56	33,408.60	13,197.96	4,206,835.76
85			82	1-Oct-2022	46,606.56	33,304.12	13,302.44	4,193,533.31
86			83	1-Nov-2022	46,606.56	33,198.81	13,407.75	4,180,125.56
87			84	1-Dec-2022	46,606.56	33,092.66	13,513.90	4,166,611.66
88			85	1-Jan-2023	46,606.56	32,985.68	13,620.88	4,152,990.78
89			86	1-Feb-2023	46,606.56	32,877.84	13,728.72	4,139,262.06
90			87	1-Mar-2023	46,606.56	32,769.16	13,837.40	4,125,424.66
91			88	1-Apr-2023	46,606.56	32,659.61	13,946.95	4,111,477.71
92			89	1-May-2023	46,606.56	32,549.20	14,057.36	4,097,420.35
93			90	1-Jun-2023	46,606.56	32,437.91	14,168.65	4,083,251.70
94			91	1-Jul-2023	46,606.56	32,325.74	14,280.82	4,068,970.89
95			92	1-Aug-2023	46,606.56	32,212.69	14,393.87	4,054,577.01
96			93	1-Sep-2023	46,606.56	32,098.73	14,507.82	4,040,069.19
97			94	1-Oct-2023	46,606.56	31,983.88	14,622.68	4,025,446.51
98			95	1-Nov-2023	46,606.56	31,868.12	14,738.44	4,010,708.07
99			96	1-Dec-2023	46,606.56	31,751.44	14,855.12	3,995,852.95
100			97	1-Jan-2024	46,606.56	31,633.84	14,972.72	3,980,880.23