🏡Loans & Borrowing

Loan & Prepayment Calculators

Simple calculators to help you estimate repayments, explore prepayment impact, and understand your interest costs.

Featured Calculator

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Total Interest Saved

₹10.93L(-3y 4m)

Monthly EMI₹44,186

🏡Loan Prepayment Tool

Home Loan Prepayment Calculator

Estimate how extra payments can change your overall tenure and interest.

Loan Amount (Principal)50.0 Lakhs

₹

Quick:

Interest Rate (% p.a.)8.75%

Tenure (Years)20 Years

Yrs

Choose Your Prepayment Strategy

Extra EMIs per year (e.g. from bonus):1 EMI (₹44,186)

Why does 1 extra EMI save so much?

While regular EMIs are mostly interest in early years, 100% of an extra prepayment reduces principal. One extra payment in Year 1 wipes out nearly 5 to 6 months of future principal repayments at once.

Estimated Interest Saved

₹10,92,505

Estimated reduction in total interest payable over the loan life.

Tenure:20 yrs ➔ 16.7 yrs

Estimated Tenure Change:Reduced by 3 yrs & 4 mos

Regular Monthly EMI:₹44,186

Original Total Interest:₹56,04,640

Revised Total Interest:₹45,12,135

Estimated Total Outflow:₹95,12,135

* Mathematical estimate for informational purposes only. Actual bank schedules, rounding, and loan terms may vary.

All Tools in this Category

Home Loan Prepayment Calculator ➔

Available

Estimate how paying 1 extra EMI/year or monthly top-ups reduces your loan tenure and interest.

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Home Loan EMI Calculator

Planned

Simple monthly EMI calculation with principal and interest amortization breakdown.

Balance Transfer Savings Calculator

Planned

Check if switching your home loan to a lower interest rate bank actually saves money after fees.

Car Loan Prepayment Calculator

Planned

Estimate interest savings on auto loan part-payments.

* Disclaimer: Calculations are mathematical estimates for planning purposes only.