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Loan & Prepayment Parameters
CALCULATE DYNAMIC ACCELERATION SCENARIOS
TRUE APR COST
8.86%
Disbursed: ₹24,36,000
Original Principal Amount
₹
Sanctioned bank borrowing amount
Annual Interest Rate (%)
%
Annual percentage rate (floating / fixed)
Original Tenure (Months)
mo
Total approved repayment months
Months Already Paid
mo
Elapsed EMIs already debited
Prepayment & Acceleration Strategy
Extra Monthly Payment (EMI Boost)
₹
Extra principal added every single month
Specific Month Extra Payment (Month #)
mo
Which specific month you pay a lump sum (e.g. 12)
Specific Month Extra Amount (Lump Sum)
₹
One-time extra payment injected in that month
Hidden Charges Exposer
Comparison of Loans
STANDARD REPAYMENT VS ACCELERATED PREPAYMENT IMPACT
Sample
Clear
TIME SAVED
77 Months
6.4 Years off your debt horizon
MONEY SAVED
₹9,40,875
Pure interest liquidated permanently
STANDARD REPAYMENT
Original Terms
Monthly Payment:
₹21,696
Remaining Tenure:
216 Mo (18.0 Yrs)
Total Interest:
₹22,90,155
Total Outflow:
₹46,86,245
ACCELERATED EXTRA PAYMENTS
Fast Payoff
Monthly Payment:
₹26,696 (+₹5,000)
Specific Month Lump Sum:
₹50,000 (Mo 12)
Remaining Tenure:
139 Mo (11.6 Yrs)
Total Interest:
₹13,49,280
Total Outflow:
₹37,45,370
Exclusive of penalty from the loaner there.
Amortization Trajectory & Debt Curve
EQUITY ACCUMULATION VS CUMULATIVE INTEREST BORROWING OVER TIME
Balance
Cumulative Interest
Hover or tap bars to inspect milestone values
₹24L
₹12L
0
Start (Mo 1)
⚡ 50% Crossover (Mo 46)
End (Mo 139)
Principal vs Interest Exposure
CAPITAL RETURN VS BORROWING OVERHEAD
OPTIMAL LOAN
BURDEN
36%
Interest Share
Principal (Equity)
₹23,96,091
64.0% of total repayment
Interest (Cost)
₹13,49,280
36.0% of total repayment
Month-by-Month Amortization Schedule
Tap to inspect all 139 payment installments
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