Home Loan बचत

Home loan mein kitni बचत ho sakti hai?

Home Loan Prepayment & Interest Savings Calculator

Plan your बचत. Explore how extra payments could reduce interest and help you close your loan sooner.

Works as an extra EMI calculator, a tenure reduction calculator and a lump sum prepayment calculator for Indian home loans — free, with no signup.

  1. 1Enter your loan
  2. 2Choose prepayments
  3. 3See potential savings
Your loan details
₹50 L
₹5 Cr
%
18%
years
30 yrs

Interpreted as 20 years (240 months). Fractional years are supported when they resolve to whole months—for example, 1.5 years = 18 months.

Principal borrowed: ₹50,00,000

Prepayment strategies

Turn on what you can realistically do. Results update instantly.

Extra monthly amount

A small top-up on every EMI

₹5,000

Round-up EMI

Round your payment up to a neat figure

Annual step-up EMI

Raise your EMI every year with your salary hike

Estimated interest बचत

₹19.68 L

₹19,68,263

Estimated total interest: ₹34,45,615 with your plan, versus ₹54,13,879 without prepayments.

बचत means interest avoided over the loan’s remaining repayment period—not cashback or a lower EMI.

To achieve this estimate

Example strategy applied

Adjust or clear the prepayment options to model your own plan.

₹5,000 extra each month + one extra EMI in month 10 of each loan year.

The estimated interest बचत combines every active strategy, including options set on other tabs.

Time saved

6 years 5 months

Your plan closes the loan in 13 years 7 months

Standard monthly EMI

₹43,391

Before any extra payments

Without extra payments

Principal
₹50,00,000
Total interest
₹54,13,879
Total repayment
₹1,04,13,879
Payoff duration
20 years

With your prepayment plan

Principal
₹50,00,000
Total interest
₹34,45,615
Total repayment
₹84,45,615
Payoff duration
13 years 7 months

Share this estimated interest बचत and payoff timeline with someone planning their own prepayments.

Outstanding balance over time

How much faster the loan reaches zero with prepayments.

Without extra payments

Interest is 52% of everything you pay.

With your prepayment plan

Interest is 41% of everything you pay.

Amortization schedule

Every rupee, month by month, with your prepayments included.

YearPaidInterestPrincipalClosing balance
Year 1₹6,24,085₹4,18,172₹2,05,913₹47,94,087
Year 2₹6,24,085₹3,99,971₹2,24,114₹45,69,973
Year 3₹6,24,085₹3,80,162₹2,43,924₹43,26,049
Year 4₹6,24,085₹3,58,601₹2,65,484₹40,60,565
Year 5₹6,24,085₹3,35,135₹2,88,951₹37,71,615
Year 6₹6,24,085₹3,09,594₹3,14,491₹34,57,123
Year 7₹6,24,085₹2,81,796₹3,42,289₹31,14,834
Year 8₹6,24,085₹2,51,540₹3,72,545₹27,42,290
Year 9₹6,24,085₹2,18,611₹4,05,474₹23,36,815
Year 10₹6,24,085₹1,82,771₹4,41,314₹18,95,501
Year 11₹6,24,085₹1,43,763₹4,80,323₹14,15,178
Year 12₹6,24,085₹1,01,306₹5,22,779₹8,92,400
Year 13₹6,24,085₹55,098₹5,68,988₹3,23,412
Year 14₹3,32,509₹9,097₹3,23,412₹0