EMI calculator
Compute loan EMI and see exactly what a lump-sum prepayment saves — interest and months.
Runs locally; no financial inputs are uploaded
EMI
₹44,986/mo
Interest ₹57.97 L · total payable ₹1.08 Cr
Prepaying ₹5.00 L in year 2 saves ₹16.06 L interest and 3y 10m (loan ends in 16y 2m).
Balance over time (₹)
— scheduled balance · — with prepayment.
Principal vs interest
46% of what you repay is the actual loan — the rest is interest.
Assumptions
Educational model, not financial advice. Reducing-balance EMI with monthly rests, constant rate, prepayment keeps the EMI fixed so tenure shrinks. Real loans add processing fees, insurance, and prepayment charges — read the sanction letter.
More tools
TextBase64TimeEpoch converterCodeJSON formatterTextRegex testerCodeJSON to GoCodeGo to JSONPlanningFIRE plannerPlanningSIP calculatorPlanningSWP calculatorPlanningRent vs buyPlanningSalary take-homeUtilityScreenshot redactorDocumentsInvoice builderUtilityQR generatorDiagramsPlantUML editorUtilityUUID generatorSchedulingCron VisualizerAIRegex explainerAIRoast my codeDataCSV inspectorTextMarkdown ViewerDocumentsPDF liteUtilityImage shrink