Loan EMI & Prepayment Calculator

Calculate monthly installments for home, car, and personal loans. Simulate prepayments to calculate exact interest and tenure saved.

Loan Amount (Principal) Type or drag slider

₹

₹1 Lakh ₹1 Crore ₹2 Crore

Interest Rate (% per annum) Reducing balance rate

5% 15% 25%

Loan Tenure (Years) Number of years

1 Year 15 Years 35 Years

Prepayment Savings Simulator

Smart Feature

See how making extra payments helps you save lakhs in total interest and become debt-free years earlier.

One-Time Lumpsum Prepayment (₹)

₹

Paid at End of Year

Or Extra Monthly Prepayment (₹)

₹

Monthly Loan EMI

₹43,391

Payable Every Month

Principal Loan Amount: ₹50,00,000

Total Interest Payable: ₹54,13,879

Total Payment (Principal + Int): ₹1,04,13,879

Prepayment Impact

Interest Saved: ₹0

Loan Tenure Reduced By: 0 Months

Detailed schedule tracking opening balance, principal repayment, interest, and remaining balance.

Year	Opening Principal	Principal Paid	Interest Paid	Total Payment	Closing Balance