Plan Your Home Loan Prepayment
Enter your actual current EMI. If it is below the standard EMI for the inputs, the calculator will use the standard amortising EMI for the strategy comparison.
Amount available for additional lump-sum prepayment each year.
Optional amount you can pay above your normal EMI every month.
Prepayment Strategy Results
₹0Interest without extra prepayment
₹0Interest saved with strategy
0Original remaining tenure
0New estimated tenure
| Strategy | Extra / Year | Tenure | Interest | Interest Saved |
|---|
This is an indicative amortisation model. It assumes a reducing-balance loan, monthly interest calculation, and that prepayments directly reduce principal. Actual lenders may apply prepayments differently, may require a minimum amount, or may offer either EMI reduction or tenure reduction. Prepayment charges, if any, are not included.