Find Out Exactly How Much Interest You Can Save on Your Home Loan
Enter your loan details once. Type any prepayment amount. See the exact rupees saved and months cut off — in under 10 minutes. No finance degree needed.
Calculate My Savings — ₹999One-time payment · Instant access · No subscription
You're Paying Your EMI Every Month — But Does It Feel Like the Loan Is Going Nowhere?
Most home loan borrowers are flying blind. Here's what that actually costs you.
- ✕In the early years, up to 80% of your EMI goes toward interest — not your actual loan. Nobody tells you this, so the loan feels endless and you feel stuck paying a huge amount every month with barely anything to show for it.
- ✕You assume a small prepayment of ₹50,000 or ₹1 lakh won't make a real difference — so you never bother. In reality, you could be silently losing lakhs in avoidable interest year after year.
- ✕When your bank asks "do you want to reduce your EMI or reduce your tenure?" — you pick randomly, or just go with whatever the relationship manager suggests. One of those choices costs you significantly more over time.
- ✕You get a year-end bonus or tax refund, feel the vague pressure to "do something smart with it," and then the money just disappears into daily spending because you had no system to act on it.
- ✕You've heard that switching banks for a lower interest rate can save you money — but you have no idea if the transfer fees and paperwork are actually worth it for what's left on your loan.
A Generic EMI Calculator Can't Show You This
Free online EMI calculators give you one number: your monthly payment. That's it. They don't show you what happens when you prepay ₹50,000 today vs. next year. They don't compare "reduce EMI" against "reduce tenure." They don't show you your real loan path — only your starting point.
The Home Loan Prepayment Simulator is different. It runs a full side-by-side amortization comparison — your current loan trajectory vs. your loan trajectory with a prepayment applied — and shows you the compounding rupee impact of each decision instantly.
The result: in under 10 minutes, you go from guessing to knowing. Exact interest saved. Exact months cut off. Exact answer to "reduce EMI or reduce tenure?" — for your specific loan, your specific numbers, right now.
Home Loan Prepayment Simulator
An editable Google Sheets tool built for home loan borrowers who want to stop guessing and start making decisions backed by real numbers — without hiring a financial advisor.
Everything You Need to Take Control of Your Home Loan
Six powerful features built into one clean, beginner-friendly spreadsheet.
Instant Prepayment Impact Calculator
Type any prepayment amount and instantly see total interest saved and the exact number of months cut off your loan — no manual math, no guesswork.
Reduce EMI vs. Reduce Tenure Comparison
See both options side by side with real numbers for your loan, so you always choose the one that actually saves you more money.
Full Month-by-Month Amortization Schedule
See your complete loan breakdown — principal paid, interest paid, and remaining balance — for every single month, with and without prepayment, on the same screen.
Year-by-Year Interest vs. Principal Visual
A built-in chart showing exactly how your EMI split changes over time — so you can see the moment your principal starts beating your interest payments.
Color-Coded, Formula-Protected Design
Input cells are clearly marked in yellow. Formula cells are locked so you can never accidentally break anything. Just type your numbers and read your results.
Lifetime Access — Update Anytime
Get your own permanent copy of the sheet. Update it whenever your interest rate changes, you make a prepayment, or your loan details shift. One purchase, use it forever.
Everything Stacked Up — Then See Today's Price
One-time payment · No subscription · No renewals