Loan Outstanding Calculator

Enter the loan terms and each repayment. The calculator applies repayments in date order and shows what is still owed, with interest worked out on the unpaid balance.

Loan details

Borrower’s name Original principal (₹)

Disbursement date Annual interest rate (%) Compounding Interest between compounding dates

Smooth measures time in days ÷ 365 and grows the balance by (1 + rate ÷ n) ^ (n × days ÷ 365). Simple adds exactly rate ÷ n for each full period and pro-rates part of a period by days. They match after a full 365-day year and differ slightly in between, because a 30-day month is not exactly one twelfth of 365 days. Use whichever matches your loan agreement.

Calculate up to (optional)

Leave blank and the shared report always shows what is owed on the day it is opened. Pick a date to fix the report at that date.

Repayments

Add each repayment separately. A repayment date must be after the disbursement date and cannot be in the future. Blank rows are ignored.

owes, as of

The story

Repayment-wise calculation

Date	Opening balance	Interest accrued	Repayment	To interest	To principal	Closing balance

How it is calculated

This is an illustration, not a statement of account. Check the terms of the loan agreement before relying on it. Everything is calculated in your browser from the terms in the link; nothing is sent to a server.

Loan Outstanding Calculator

Loan details

Repayments

The story

Repayment-wise calculation

How it is calculated

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