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Loan Prepayment Calculator
See exactly how much interest you save and how many months you cut off your loan by prepaying. Choose a one-time lump-sum prepayment or an extra amount every month — your EMI stays the same and the tenure shrinks.
Interest Saved
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Tenure Reduced
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New Tenure
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Original Interest
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New Interest
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Outstanding balance: original vs with prepayment
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Frequently Asked Questions
Does prepaying a loan save money?
Yes. Prepayment lowers the outstanding principal so less interest accrues. Keeping the same EMI after prepaying shortens the tenure and saves a large amount of interest.
Lump sum or extra monthly — which saves more?
Both help. A one-time lump sum early in the loan saves the most; steady extra monthly payments also cut tenure and interest over time.