Loan Prepayment Calculator
Estimate interest saved by prepayment.
Loan Prepayment Calculator
Each bar is one year of payments, split into the interest you lose and the loan you actually repay.
Year by year
| OriginalBalance | RevisedBalance | Value | Alt | |
|---|---|---|---|---|
| Year 1 | ₹19,02,933 | ₹16,84,172 | ₹19,02,933 | ₹16,84,172 |
| Year 2 | ₹17,96,761 | ₹15,57,479 | ₹17,96,761 | ₹15,57,479 |
| Year 3 | ₹16,80,630 | ₹14,18,901 | ₹16,80,630 | ₹14,18,901 |
| Year 4 | ₹15,53,604 | ₹12,67,323 | ₹15,53,604 | ₹12,67,323 |
| Year 5 | ₹14,14,662 | ₹11,01,526 | ₹14,14,662 | ₹11,01,526 |
| Year 6 | ₹12,62,687 | ₹9,20,177 | ₹12,62,687 | ₹9,20,177 |
| Year 7 | ₹10,96,456 | ₹7,21,815 | ₹10,96,456 | ₹7,21,815 |
| Year 8 | ₹9,14,630 | ₹5,04,846 | ₹9,14,630 | ₹5,04,846 |
| Year 9 | ₹7,15,749 | ₹2,67,524 | ₹7,15,749 | ₹2,67,524 |
| Year 10 | ₹4,98,210 | ₹7,939 | ₹4,98,210 | ₹7,939 |
| Year 11 | ₹2,60,266 | ₹0 | ₹2,60,266 | ₹0 |
| Year 12 | ₹0 | ₹0 | ₹0 | ₹0 |
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Share the inputs and result with our team. We will call back with what changes once your risk profile, existing holdings and timeline are considered.
About this calculator
Use this calculator to estimate interest saved by prepayment. It works from Outstanding Loan, Interest Rate, Remaining Tenure and Prepayment Amount, so you can adjust inputs and immediately see how the outcome changes.
- Estimate how much interest and tenure you can save through prepayment.
- See whether an upfront prepayment improves your total repayment profile.
- Use it when deciding between investing surplus money or reducing debt.
This calculator is an illustration based on the inputs you provide and the assumptions stated above. It is not a recommendation, a projection of actual returns, or a guarantee of any outcome. Actual results will differ. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Curious how this looks on your portfolio?
Our team can run these numbers against your real holdings, goals and timeline.