Vehicle loan and EMI tracking: every truck loan with its interest split, every month
Lender, vehicle, outstanding, EMI, next due date, principal and interest per month, and a calendar of what is due. Built for truck owners with financed vehicles and their accountants.
*No credit card required
What you can do
One record per loan
Lender, the bank the money landed in, the vehicle, amount, EMI, start date, tenure, annual rate.
Reducing balance or flat rate
Choose the method per loan; the schedule is built accordingly.
New or already on the books
Loan kind "Money just landed" for a new loan, "Already on the books" for one that started before NShine ERP.
See the split
Each period's EMI as principal and interest, with due date and status: due, upcoming, paid.
Due this month
EMIs with standing bills and depreciation; mark paid; post together.
Payments and history
Every EMI paid against its loan; progress shown as 3 of 12.
What the loans list shows
Lender | Related to | Outstanding | Monthly EMI | Next EMI due | Progress | Status |
|---|---|---|---|---|---|---|
Lender | The truck | Balance left | EMI amount | Next due date | 1/12 | Active |
Lender | Another truck | Balance left | EMI amount | Next due date | 0/10 | Active |
Lender | A third truck | Balance left | EMI amount | Next due date | 0/10 | Active |
Edit, payments and history per loan. The totals of what you owe across lenders is a glance, not a bank-app tour.
The 12-month plan
Period | Due date | Amount | Principal | Interest | Status |
|---|---|---|---|---|---|
Oct 2026 | 12-10-2026 | 1,000 | 990.00 | 10.00 | due |
Nov 2026 | 12-11-2026 | 1,000 | 991.65 | 8.35 | Upcoming |
Dec 2026 | 12-12-2026 | 1,000 | 993.30 | 6.70 | Upcoming |
This is a reducing-balance loan: interest falls each month and principal rises. A flat-rate loan shows the same split every period.
Bring one loan agreement
A 30-minute demo where we enter it and show the EMI calendar for the year. No credit card, no setup fee.
Adding a loan
- Loan kind: Money just landed, or Already on the books
- Method: Reducing balance or Flat rate
- Lender, and the bank the money landed in
- Related to: the vehicle
- Loan amount, monthly EMI, start date, tenure in months, annual interest rate
- Secured loan (backed by an asset), active flag
Where the EMIs sit
Schedules shows every EMI due this month with standing bills and depreciation, under "Due this month" and "All dues", with Mark Paid and Post due. The calendar is for seeing; paying is recorded on the loan itself. The EMI and its interest post to the books.
A loan, month to month
- Add the loan with lender, vehicle, amount, EMI, start date, tenure, rate and method.
- The 12-month plan appears with principal and interest per period.
- Each month the EMI shows under Due this month with the other dues.
- Mark it paid when the bank transfer goes; outstanding and progress update.
- Interest and principal post to the books; depreciation posts beside them.
What stops happening
Loans in the bank app and a spreadsheet
EMIs paid late because the date was in someone's head
Interest lumped into the EMI
A profit figure that forgets the trucks are financed
Watch the product in action
A walkthrough of the transport management software, in your preferred language.
Frequently asked questions
Loans and schedules are included in every plan
Plans are priced by bookings per month and own vehicles, with a free trial and no setup fee. Pick the one that fits, or book a demo first.