Loans
Loan Prepayment Calculator
Interest and time saved by prepaying.
How to use this
Prepaying reduces either your EMI or your tenure. Keeping the EMI and cutting the tenure (as shown here) saves the most interest, especially in the early years of a loan when interest is highest.
Interest saved
₹17.7L
Tenure cut4y 2m
New tenure16 yr
Prepaying ₹5,00,000 after 12 months saves ₹17,69,951 in interest and clears the loan 4y 2m sooner.
Partner offer
Refinance to a lower rate
Compare home loan balance-transfer offers.
Frequently asked
Is the Loan Prepayment Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the Loan Prepayment Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.