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Standard EMI iMonthly amount calculated by the bank based on your loan
❓ How does this calculator work?
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1
Enter Loan Details
Add your loan amount, interest rate & tenure on the left
2
Add Extra Payment (Optional)
Click "Prepayment Options" and enter more than your EMI amount
3
See Your Savings!
Compare "Without" vs "With" cards to see how much you save
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Pro Tip
Even ₹2,000-5,000 extra monthly can save lakhs in interest!
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Total Interest iTotal interest you'd pay over the loan period without prepayment
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With Prepay iReduced interest when you pay extra! Lower = Better
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New Tenure iYour loan closes earlier when you prepay!
Higher % = More money saved! 🎉
💰 Interest Savings iShows what % of interest you're saving by prepaying. Aim for 20%+ for significant savings!
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₹0 Saved
₹0 Normal Interest
Without Extra Payment iThis is what you'd pay if you only pay the regular EMI each month
Monthly Payment₹0
Total Tenure0 months
Total Interest Paid₹0
Total Amount Paid₹0
With Your Extra Payment ⭐ iSee how much you save when you pay more than EMI! Green values = savings vs normal
Monthly Payment₹0
Total Tenure0 months
Total Interest Paid₹0
Total Amount Paid₹0
See year-by-year breakdown! 📊
📋 Amortization Schedule iMonth/Year-by-month breakdown showing how each payment splits into principal & interest
| Period | EMI Paid | Principal | Interest | Prepayment | Balance |
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