This calculator goes beyond monthly EMI. You can switch modes, simulate extra payments, compare loan offers, inspect amortization, export schedules, and use rule-based payoff insights without leaving the page.
Interest saved with your current extra EMI and lump sum plan.
Your payoff runway updates live as prepayment changes.
Gamified savings meter based on how much interest you are shaving off.
Monthly EMI to income ratio for quick planner guidance.
Use classic EMI, reverse-budget planning, or tenure finding. Extra EMI and lump sum logic stay in the same flow.
Switch chart views for principal versus interest, balance over time, and first-year principal-interest spread.
Search entries, toggle monthly or yearly breakdown, and export the amortization sheet in CSV or JSON.
| Period | Payment | Principal | Interest | Lump sum | Balance | Heat |
|---|---|---|---|---|---|---|
| No rows match your current schedule filter. | ||||||
The first 12 installments are mapped like a payment calendar so high-interest months stand out instantly.
Benchmark normal repayment against smarter strategies, then compare three loans to find the cheapest total outflow.
Configurations persist in local storage so you can bookmark options, reload them later, and compare repayment plans faster.