Loan prepayment calculator
See how much interest and time a regular extra payment knocks off a loan.
Calculator
Loan prepayment calculator
What an extra monthly payment saves
How to use this
Enter your loan details and the extra amount you can pay each month on top of the EMI. The calculator re-runs the amortisation schedule and shows how much earlier the loan closes and how much interest you avoid. Prepayment is powerful because EMIs are front-loaded: early instalments are mostly interest, so every extra rupee paid early cancels many rupees of future interest. The same extra payment made in year 15 of a 20-year loan saves far less than in year 2. For floating-rate loans to individuals, RBI rules bar banks from charging prepayment penalties, so home-loan prepayment is usually free. Check the terms on fixed-rate and business loans.
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