Home ownership & major-debt decisions
Home Loan Prepayment Calculator
A home-loan prepayment can change three things: how soon your loan ends, how much interest you pay from today, and — if you keep the remaining tenure broadly similar — how much your EMI could reduce. The useful outcome depends on what you are trying to achieve.
This calculator starts from your loan as it stands today and shows what a lump-sum prepayment, a higher monthly payment, or both could change.
What are you trying to achieve?
Start with what matters to you. The calculator will ask only for what that question needs.
The numbers quantify the decision. They don’t make it.
Knowing what a repayment would change is only half the question. The other half is whether this particular surplus should go into the loan at all — against investing it, keeping it liquid, or funding a goal that has a date attached to it. That depends on where you are in the loan, how certain each side of the comparison is, what reserves you hold, and what else the money may be needed for.