Loan EMI Calculator Sri Lanka

Loan amount (LKR)

Annual interest (%)

Term (years)

Monthly instalment (EMI)

LKR 44,489

Total interest

LKR 669,334

Total payable

LKR 2,669,334

Monthly amortization schedule

Each payment first covers interest on the outstanding balance; the remainder reduces principal.

Month	Payment	Principal	Interest	Balance
1	LKR 44,489	LKR 24,489	LKR 20,000	LKR 1,975,511
2	LKR 44,489	LKR 24,734	LKR 19,755	LKR 1,950,777
3	LKR 44,489	LKR 24,981	LKR 19,508	LKR 1,925,796
4	LKR 44,489	LKR 25,231	LKR 19,258	LKR 1,900,565
5	LKR 44,489	LKR 25,483	LKR 19,006	LKR 1,875,082
6	LKR 44,489	LKR 25,738	LKR 18,751	LKR 1,849,344
7	LKR 44,489	LKR 25,995	LKR 18,493	LKR 1,823,348
8	LKR 44,489	LKR 26,255	LKR 18,233	LKR 1,797,093
9	LKR 44,489	LKR 26,518	LKR 17,971	LKR 1,770,575
10	LKR 44,489	LKR 26,783	LKR 17,706	LKR 1,743,792
11	LKR 44,489	LKR 27,051	LKR 17,438	LKR 1,716,741
12	LKR 44,489	LKR 27,321	LKR 17,167	LKR 1,689,420
13	LKR 44,489	LKR 27,595	LKR 16,894	LKR 1,661,825
14	LKR 44,489	LKR 27,871	LKR 16,618	LKR 1,633,954
15	LKR 44,489	LKR 28,149	LKR 16,340	LKR 1,605,805
16	LKR 44,489	LKR 28,431	LKR 16,058	LKR 1,577,374
17	LKR 44,489	LKR 28,715	LKR 15,774	LKR 1,548,659
18	LKR 44,489	LKR 29,002	LKR 15,487	LKR 1,519,656
19	LKR 44,489	LKR 29,292	LKR 15,197	LKR 1,490,364
20	LKR 44,489	LKR 29,585	LKR 14,904	LKR 1,460,779
21	LKR 44,489	LKR 29,881	LKR 14,608	LKR 1,430,898
22	LKR 44,489	LKR 30,180	LKR 14,309	LKR 1,400,718
23	LKR 44,489	LKR 30,482	LKR 14,007	LKR 1,370,236
24	LKR 44,489	LKR 30,787	LKR 13,702	LKR 1,339,450
25	LKR 44,489	LKR 31,094	LKR 13,394	LKR 1,308,355
26	LKR 44,489	LKR 31,405	LKR 13,084	LKR 1,276,950
27	LKR 44,489	LKR 31,719	LKR 12,769	LKR 1,245,231
28	LKR 44,489	LKR 32,037	LKR 12,452	LKR 1,213,194
29	LKR 44,489	LKR 32,357	LKR 12,132	LKR 1,180,837
30	LKR 44,489	LKR 32,681	LKR 11,808	LKR 1,148,156
31	LKR 44,489	LKR 33,007	LKR 11,482	LKR 1,115,149
32	LKR 44,489	LKR 33,337	LKR 11,151	LKR 1,081,812
33	LKR 44,489	LKR 33,671	LKR 10,818	LKR 1,048,141
34	LKR 44,489	LKR 34,007	LKR 10,481	LKR 1,014,133
35	LKR 44,489	LKR 34,348	LKR 10,141	LKR 979,786
36	LKR 44,489	LKR 34,691	LKR 9,798	LKR 945,095
37	LKR 44,489	LKR 35,038	LKR 9,451	LKR 910,057
38	LKR 44,489	LKR 35,388	LKR 9,101	LKR 874,669
39	LKR 44,489	LKR 35,742	LKR 8,747	LKR 838,926
40	LKR 44,489	LKR 36,100	LKR 8,389	LKR 802,827
41	LKR 44,489	LKR 36,461	LKR 8,028	LKR 766,366
42	LKR 44,489	LKR 36,825	LKR 7,664	LKR 729,541
43	LKR 44,489	LKR 37,193	LKR 7,295	LKR 692,347
44	LKR 44,489	LKR 37,565	LKR 6,923	LKR 654,782
45	LKR 44,489	LKR 37,941	LKR 6,548	LKR 616,841
46	LKR 44,489	LKR 38,320	LKR 6,168	LKR 578,520
47	LKR 44,489	LKR 38,704	LKR 5,785	LKR 539,817
48	LKR 44,489	LKR 39,091	LKR 5,398	LKR 500,726
49	LKR 44,489	LKR 39,482	LKR 5,007	LKR 461,244
50	LKR 44,489	LKR 39,876	LKR 4,612	LKR 421,368
51	LKR 44,489	LKR 40,275	LKR 4,214	LKR 381,093
52	LKR 44,489	LKR 40,678	LKR 3,811	LKR 340,415
53	LKR 44,489	LKR 41,085	LKR 3,404	LKR 299,330
54	LKR 44,489	LKR 41,496	LKR 2,993	LKR 257,834
55	LKR 44,489	LKR 41,911	LKR 2,578	LKR 215,924
56	LKR 44,489	LKR 42,330	LKR 2,159	LKR 173,594
57	LKR 44,489	LKR 42,753	LKR 1,736	LKR 130,841
58	LKR 44,489	LKR 43,180	LKR 1,308	LKR 87,661
59	LKR 44,489	LKR 43,612	LKR 877	LKR 44,048
60	LKR 44,489	LKR 44,048	LKR 440	LKR 0

Assumes monthly payments and a fixed reducing-balance rate. Processing fees, valuation charges, insurance, taxes, late fees, and future rate changes are excluded. Compare the lender's total amount payable and written offer, not only its headline rate.