EMI & Prepayment Analyzer

Calculate your monthly installment and discover how extra payments slash years of interest.

Loan Amount (Principal)₹30,00,000

₹1 Lakh₹75 Lakhs₹1.5 Crore

Interest Rate (p.a)8.5%

5%8.5% (Home Loan)18% (Personal Loan)

Loan Tenure20 Years (240 Months)

1 Yr15 Yrs30 Yrs

Optional Extra Monthly Prepayment (₹)+₹2,000/mo

💰 Interest Saved: ₹6,13,186

⏱️ Time Saved: 3.2 Years (38 Months)

Monthly Installment

Monthly EMI

₹26,035

Principal Amount₹30,00,000

Total Interest Amount₹32,48,327

Total Loan Cost₹62,48,327

Principal: 48%Interest: 52%

Prepayment Power

Paying just ₹1,000 to ₹2,000 extra per month directly reduces the outstanding principal balance, drastically cutting total compound interest paid to the lender.