EMI & Prepayment Analyzer

Simulate loan repayment schedules and see how early prepayments can slash your interest bills.

100% Client-Side Calculations

Loan Parameters

Loan Amount (Principal) ₹ 50,00,000

Annual Interest Rate (%) 8.5%

Loan Tenure (Years) 20 Years

Prepayment Simulator (Optional)

Smart Simulator

Recurring Yearly Prepayment (₹)

Amount paid extra at the end of every year.

Extra Payment per Month (₹)

Paid extra on top of your standard monthly EMI.

One-time Lumpsum Prepayment (₹)

Prepayment Month (e.g. Month 12)

Your Loan Breakdown

ESTIMATED MONTHLY EMI

₹ 0

Interest Paid (Normal) ₹ 0

Interest Paid (Prepaid) ₹ 0

Total Interest Saved: ₹ 0

Tenure reduced by: 0 Years

Yearly Amortization Schedule

Year	Opening Balance	Principal Paid	Interest Paid	Prepayments	Ending Balance

Legal Disclaimer

This calculator is provided solely for informational and educational purposes. Calculations are estimates based on standard algorithmic rules and inputs, and should not be construed as professional financial, legal, or tax advice. Actual tax liabilities and financial structures may vary depending on corporate policies, jurisdiction, and individual circumstances. Please consult with a certified financial planner or tax advisor before making any financial decisions.

Frequently Asked Questions

Quick direct-answer guides about using this utility tool locally and securely.

How does prepayment impact my loan repayment?

Making early prepayments directly reduces the loan's principal balance. This decreases the overall compounding interest and allows you to pay off the loan significantly faster, shortening the tenure.

What is the difference between recurring and lumpsum prepayment?

Recurring prepayment simulates paying a set extra amount yearly or monthly, while lumpsum prepayment represents paying a single larger amount at a specific month. Both significantly reduce interest and loan term.