Prepayment Calculator
Pay a little extra. Save a lot.
Simulate extra EMIs and lump-sum prepayments — see the interest you avoid and how many months your loan closes earlier.
Loan Strategy Recommendation
The smartest way to repay your loan.
Three repayment paths analysed on your numbers — pick the one that matches your comfort with risk.
Loan₹30.00 L
Rate8.50 %
Tenure20 yrs
Current plan
EMI ₹26,035Interest ₹32.48 LTenure 20 yrs
Strategy
Conservative
Increase EMI by
+₹800/mo
New EMI₹26,835
You save₹2.81 L
Closes1.4 yrs earlier
New tenure18.6 yrs
Confidence98%
A barely-felt top-up that protects monthly cashflow while still trimming interest meaningfully.
Model this plan Recommended
Strategy
Balanced
Increase EMI by
+₹1,800/mo
New EMI₹27,835
You save₹5.64 L
Closes2.9 yrs earlier
New tenure17.1 yrs
Confidence96%
The mathematical sweet spot — strongest interest savings without straining your monthly budget.
Model this planStrategy
Aggressive
Increase EMI by
+₹3,100/mo
New EMI₹29,135
You save₹8.53 L
Closes4.5 yrs earlier
New tenure15.5 yrs
Confidence88%
Highest savings, fastest payoff. Best when income is rising or you have stable surplus cash.
Model this plan