Home Loan Prepayment Calculator

Interest and years saved by prepaying.

Outstanding loan

₹

₹1 L₹10 Cr

Interest rate

1%20%

Remaining tenure

yrs

1 yr30 yrs

Extra payment every month

₹

₹0₹5 L

One-time prepayment

₹

₹0₹1 Cr

One-time prepayment in month

1 mo360 mo

EMI: ₹43,391
Interest without prepayment: ₹54,13,879
Interest with prepayment: ₹35,69,160
Interest saved: ₹18,44,718
Tenure reduced by: 5 yrs 7 mo

How it works

Prepayments go straight to principal, so every rupee saves the interest it would have attracted for the rest of the tenure. We keep the EMI fixed and shorten the tenure — the bigger saving of the two options.

For education only. Returns are assumptions, not guarantees.

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