EMI Calculator with Prepayment Prepayment & Optimization
Model recurring periodic extra payments (monthly, annual, or +1 EMI/year) to cut tenure by years.
Loan & Recurring Prepayments
Systematic Prepayment Plan
50 Lakhs
₹
%
Yrs
₹
₹
Paying 1 extra EMI every year (13 payments instead of 12) systematically reduces interest and accelerates payoff.
Accelerated Payoff Analysis
Years Saved: ~5.6 Yrs
Interest Saved
₹ 0
Lifetime savings
Revised Tenure
0 Yrs
vs 20 Yrs standard
Standard EMI
₹ 0
Base monthlyStandard Loan Balance vs Prepayment Curve
Loan Performance Comparison
| Metric | Regular Loan | With Prepayment Plan |
|---|---|---|
| Loan Tenure | 20.0 Years | 14.4 Years |
| Total Payments Count | 240 Payments | 173 Payments |
| Total Interest Payable | ₹ 0 | ₹ 0 |
| Total Interest Saved | ₹ 0 | |