✦ Dynamic Education Loan Ledger

Track Your Education Loan Like a Bank

Floating rate engine with daily accrual, multi-stage disbursements, moratorium logic, and bulk payment what-if analysis - all powered by a JSON event ledger.

Floating Rate Engine

Benchmark Rate (e.g. Repo)

Spread / Margin

Effective Rate 9.00%

Total Disbursed

—

Outstanding Principal

—

Accrued Interest

—

Current Rate

—

Monthly EMI

—

Total Interest

—

Add Disbursement

Date

Amount (₹)

Add Payment

Date

Amount (₹)

Rate Change Event

Effective Date

New Benchmark (%)

Moratorium & Repayment

Moratorium (months)

Repayment Tenure (months)

Partial Payment in Moratorium (₹/mo)

First Installment Date (Optional)

Capitalize InterestAdd interest to principal monthly

Pay Interest in MoratoriumPrevent principal growth

Payment Breakdown

Total Payable: —

Principal

—

Interest

—

Loan Timeline

Outstanding at Mora End—

Moratorium Ends—

Repayment Period—

Loan Ends—

Total EMI Payable—

Total Money Spent—

Prepayment Fee₹0 (RBI 2024)

Day CountActual/365

View Repayment Schedule

Month	Due Date	Opening Principal	Installment Amt	Principal	Interest	Closing Principal
Calculate to view schedule

Transaction Ledger (Daily Accrual)

Date	Type	Amount	Rate	Balance	Details
No transactions

Step-by-Step Bulk Payment Impact

Plan multiple bulk payments over your repayment timeline. Enter the month (e.g. Month 12 = 1 year into repayment) and amount to see your savings.

Month

Amount (₹)

Impact

Add payments and click analyze

Event Log (JSON)

No events yet. Add a disbursement to start.