Enterprise Loan Portfolio Tracker

Amortizer

Version 1.0.0

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Manage Loans:

Total Principal Due

₹0

Monthly Obligation

₹0

Active Loans

Loan Parameters

Loan Name

Principal Amount

First EMI Date

Total Tenure (Months)

Moratorium Period (Mo)

Moratorium Interest

Calculate via: Given ROI Given EMI

ROI % (Yearly)

Target EMI Amount

Flat Principal Repayment

Active Loans List

	Loan Name	First EMI Date	Principal	ROI	Tenure	Moratorium(Mo)	EMI (Rs.)	Action

Consolidated Fiscal Analysis & Liability Breakdown

Fiscal Year	Opening Bal	Interest Paid	Principal Paid	Closing Bal	Current Liability (Next 12m)	Long Term Liability

Monthly Amortization Schedule

Filter Loan:

#	Date	Loan Name	Opening Balance	EMI / Payment	Interest	Principal	Closing Balance

1. Overview

Amortizer is an enterprise-grade loan portfolio management tool. It allows you to track multiple borrowers and their respective loan facilities, providing deep insights into fiscal year liabilities and detailed amortization schedules.

2. Loan Configuration

Principal: The sanctioned loan facility.
Tenure (Mo): The TOTAL tenure of the loan, including any moratorium period.
Moratorium (Mo): The number of months at the start of the loan where principal repayment is paused.
- Interest Only: Only interest is paid during the gap.
- No Payment: Interest is capitalized (added to principal).
Start Date: The date when the loan was disbursed. First EMI will be due after the Moratorium period ends.
Non-EMI Mode: Instead of fixed payments, the principal is divided equally over the repayment tenure, and interest is calculated on the reducing balance.

3. Fiscal Analysis

The system automatically groups all payments into standard Indian Fiscal Years (April to March). It calculates:

Current Liability: Total principal due in the next 12 months.
Long Term Liability: Remaining principal due after 12 months.

4. Data Management

Local Storage: Your data is saved locally in your browser. Clearing your browser cache or using "Clear All" will remove the data.

Export/Import: Use the JSON buttons at the top to backup your data or move it to a different device.