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🏦 EMI Calculator Pro

Compare loan types, prepayment impact, and full amortization — all in one place.

Reducing Balance: Standard method used by most banks. Interest charged only on outstanding balance.

Loan Amount Home loans: ₹10L – ₹5Cr

₹

Interest Rate (p.a.) Home: 8-9% | Personal: 12-18%

Loan Tenure Standard: 5-30 years

Add Monthly Prepayment (reduces interest + tenure)

Extra Monthly Payment Added on top of EMI

₹

Add One-time Lump Sum Prepayment

₹

After Year: 3

Monthly EMI

₹ 19,566

For 5 years at 6.5% p.a.

Principal Amount ₹ 10,00,000

Total Interest ₹ 1,73,969

Interest Saved ₹ 0

Total Payable ₹ 11,73,969

Effective Tenure 5 Yr

Total

₹11.74 L

Principal vs Interest 85% / 15%

Year	Principal	Interest	Balance

Disclaimer These calculations are for illustration only. Actual EMI may vary based on processing fees, insurance, prepayment charges, and bank-specific terms. Please confirm final figures with your lender before borrowing.