Loan Prepayment Calculator
Model a lump-sum prepayment or a monthly EMI top-up against your loan-see exactly how much interest you save and how many months fall off the tenure.
- Interest after prepay
- Interest saved
Interest saved
₹13,19,639
Interest saved
₹13,19,639
Tenure shorter by
3 yr 5 mo
New total interest
₹40,94,240
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Loan prepayment calculator - how to use this tool
See how a part-prepayment or monthly top-up cuts your loan's total interest and tenure.
A loan prepayment calculator answers the most underrated question in borrowing: what does one lump-sum payment actually save? Because interest accrues on the outstanding balance, prepaying early-when EMIs are still interest-heavy-saves multiples of the amount paid. This tool compares your loan with and without a prepayment (and a monthly top-up), showing interest saved and months shaved off the tenure.
Adjust sliders to stress-test assumptions, review the visual breakdown where shown, and export or share results. For a documented plan, talk to Saarthi Capital.
Browse the full calculator hub for SIP, EMI, FD, tax, and more.
Frequently asked questions
How does a part-prepayment reduce my loan cost?
A prepayment cuts the outstanding principal immediately. Since interest is charged on the outstanding balance, every following EMI carries less interest-so the loan closes sooner and the total interest drops, often by far more than the amount you prepaid.
Should I reduce my EMI or my tenure after prepaying?
Reducing tenure saves the most interest; reducing EMI improves monthly cash flow. If the EMI is comfortable, keep it constant and let the tenure shrink-this loan prepayment calculator models exactly that.
Are there charges for prepaying a loan?
RBI directions bar foreclosure and part-prepayment charges on floating-rate loans to individuals for non-business use, which covers most home loans. Fixed-rate, personal and business loans may still charge-check your sanction letter before paying.
When is the best time to prepay?
As early as possible. In the first years of a long loan, most of the EMI is interest, so a prepayment then saves disproportionately more than the same payment near the end.
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