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Loan Prepayment Calculator

See how much interest and tenure you save with a one-time loan prepayment.

How this is calculated
Simulates the amortization schedule with a one-time extra principal reduction, EMI held constant

Assumptions used in this calculation

  • EMI after prepayment: The EMI is kept the same after prepayment, reducing tenure rather than the monthly payment.

About this calculator

The loan prepayment calculator models a one-time lump-sum prepayment applied in a given month, keeping the EMI unchanged, and shows the reduced tenure and interest saved compared to the original schedule.

Worked example

₹25,00,000 loan, 9%, 20 years, ₹2,00,000 prepaid in month 12

Result: Interest saved ≈ ₹5,50,000; tenure reduced by ~2 years

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