Loan Planner — Full Repayment Schedule & Amortisation Table
By sadiqbd · June 6, 2026
Most people borrow money. Fewer people plan it.
Taking a loan is easy — banks and lenders have made the process as frictionless as possible. The paperwork gets signed, the money arrives, and the monthly deductions start. What often doesn't happen is sitting down beforehand and working out the full picture: how long this will actually take, how much it will really cost, and whether the repayment schedule fits your actual cash flow.
A loan planner forces that conversation with yourself before you're already committed. It takes your loan amount, rate, and tenure and turns them into a full repayment schedule — month by month, principal vs. interest, outstanding balance — so you can see exactly what you're getting into.
What a Loan Planner Does (and Why It's More Than an EMI Calculator)
An EMI calculator tells you one number: your monthly payment. A loan planner goes further. It builds out a complete amortisation schedule — the full repayment table showing how every single monthly payment is split between principal and interest, and what your outstanding balance is after each payment.
This matters for several reasons. Early in a loan, most of your EMI is interest — not principal repayment. This surprises many borrowers. On a ৳10,00,000 loan at 10% for 10 years:
- EMI: ৳13,215 per month
- Payment 1: ৳8,333 interest + ৳4,882 principal
- Payment 60 (midpoint): ৳5,645 interest + ৳7,570 principal
- Payment 120 (final): ৳109 interest + ৳13,106 principal
In the first year, you're paying more than ৳8,000 per month in interest and reducing your principal by less than ৳5,000. If you prepay in the early years, you save a lot. If you prepay in year 9, the savings are minimal because the interest is almost gone anyway.
A loan planner makes this visible.
How to Use the Loan Planner on sadiqbd.com
- Enter the loan amount — the principal you're borrowing.
- Enter the annual interest rate — the rate your lender has quoted. The planner converts it to a monthly rate internally.
- Set the loan tenure — in months or years. A 7-year car loan is 84 months.
- Review the output — you'll get your monthly EMI, the total interest payable over the life of the loan, and the full amortisation table broken down month by month.
- Scroll through the schedule — look at the interest-to-principal split at different points. This tells you when prepayment has the most impact.
Reading the Amortisation Schedule
The amortisation table has four columns:
| Month | EMI | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | ৳13,215 | ৳8,333 | ৳4,882 | ৳9,95,118 |
| 12 | ৳13,215 | ৳7,889 | ৳5,326 | ৳9,42,487 |
| 60 | ৳13,215 | ৳5,645 | ৳7,570 | ৳6,74,456 |
| 120 | ৳13,215 | ৳109 | ৳13,106 | ৳0 |
(Example: ৳10,00,000 at 10% for 10 years)
A few things to notice:
- The EMI is constant, but what it consists of changes every month.
- The interest column shrinks and the principal column grows as you progress through the loan.
- The balance decreases slowly at first, then faster later on. This is the nature of front-loaded interest amortisation.
At the end of 10 years, you'll have paid ৳15,85,800 in total — meaning ৳5,85,800 in interest on a ৳10,00,000 loan. Not a shock if you planned for it; a shock if you didn't.
Real-World Examples
Planning a home loan with prepayment in mind
Meherun takes a ৳30,00,000 home loan at 9% for 20 years. Her EMI is ৳26,992 per month. Total interest over 20 years: ৳34,77,898 — more than the loan itself.
She uses the loan planner to check: if she makes a ৳2,00,000 prepayment at the end of year 3, how much does she save? The planner shows her outstanding balance at that point is about ৳28,40,000. Prepaying ৳2,00,000 reduces the balance to ৳26,40,000. Recalculating the remaining schedule at 9% for the remaining 17 years, her new EMI drops to roughly ৳25,118 — or she keeps the same EMI and pays off the loan 18 months early.
The planner makes this tradeoff concrete and calculable.
A business owner managing cash flow around repayments
Kamal runs a small business and has a ৳5,00,000 term loan at 12% for 3 years. His EMI is ৳16,607. Using the loan planner's amortisation table, he maps out his monthly outflows for the next 36 months and cross-checks them against his projected revenue cycles. He notices that months 8–11 are his lean season — and the loan planner shows his balance at that point, confirming he could apply for a moratorium at that stage if needed.
Comparing two loan offers with different structures
A borrower is choosing between:
- Option A: ৳8,00,000 at 10.5% for 5 years → EMI ৳17,199 · Total interest ৳2,31,940
- Option B: ৳8,00,000 at 10% for 6 years → EMI ৳14,860 · Total interest ৳2,69,920
Option B has a lower monthly payment but costs ৳37,980 more in total interest over the life of the loan. The loan planner makes both schedules visible and the tradeoff explicit. Option A is cheaper overall; Option B is easier on monthly cash flow. Neither answer is wrong — it depends on your situation.
When Prepayment Makes the Most Difference
This is one of the most practical things a loan planner reveals. Because interest is front-loaded, prepaying early in the loan has a dramatically larger impact than prepaying late.
On a ৳10,00,000 loan at 10% for 10 years:
- Prepaying ৳1,00,000 at month 12 saves roughly ৳74,000 in future interest and cuts about 8 months off the tenure.
- Prepaying the same ৳1,00,000 at month 96 (year 8) saves roughly ৳8,000 in interest — barely worth the paperwork.
The reason is simple: by month 96, your outstanding principal is already small and there are only 24 payments left. There's not much interest left to save. By month 12, you have 108 payments ahead of you, all front-loaded with interest on a large outstanding balance.
Practical implication: if you receive a bonus, a windfall, or any lump sum, deploying it as a loan prepayment is most valuable in the early years of the loan.
Tips for Using the Loan Planner Effectively
Look at total interest, not just EMI. Lenders sometimes emphasise the monthly payment because it sounds manageable. The loan planner shows you total interest paid — that's the real cost of the loan.
Use it before negotiating tenure. Banks often suggest maximum tenure because it lowers the EMI and makes approval easier. The planner shows you what each tenure option costs in total interest. A shorter tenure costs more per month but dramatically less overall.
Map repayments against your income calendar. If you're self-employed or have seasonal income, check when large principal milestones occur. Some loan structures allow a balloon payment at a specific point — the planner helps you see whether that aligns with when you'd expect liquidity.
Track your actual outstanding balance. If you've already been repaying a loan for a while, use the planner to check where you currently are in the amortisation schedule. Your current balance should match what the table shows for your current month — if it doesn't, flag it with your lender.
Model rate changes for floating-rate loans. Floating rate loans reset periodically. Run the planner at your current rate, then at current + 1.5% and + 3% to understand how much your EMI could increase under rising rate scenarios.
Frequently Asked Questions
What's the difference between a loan planner and an EMI calculator? An EMI calculator gives you the monthly payment. A loan planner goes further — it builds the full amortisation schedule showing principal, interest, and outstanding balance for every month of the loan tenure. If you want the full repayment picture, use the loan planner.
Can I model part-prepayments in the planner? The standard loan planner calculates the base schedule without prepayments. To model prepayment impact, run a second calculation: enter the remaining outstanding balance (from the amortisation table at the prepayment month) as the new principal and recalculate.
Is the loan planner suitable for all loan types? Yes — the underlying maths is the same for home loans, car loans, personal loans, and business loans. The inputs differ; the calculation doesn't.
Does it account for processing fees or insurance? No — the planner calculates interest cost only. Add any upfront fees to the total cost of borrowing separately.
Is the loan planner free? Yes, completely free. No sign-up, no limits.
Loans are long-term commitments made in short-term conversations. A 20-year home loan outlasts most jobs, most cars, and most of the circumstances under which it was taken. Planning it properly — knowing the full schedule, understanding when interest is heaviest, and making prepayment decisions based on actual numbers — is one of the more valuable things you can do before signing.
Try the Loan Planner free at sadiqbd.com — see the full picture before you commit.
