Loan Prepayment Calculator (Interest Saved)

Calculator Tools

See how much interest and time a part-payment saves

FreePrivateInstant
Loan amount (₹)
Interest rate (% per year)
Tenure (years)
Prepayment amount (₹)
Pay it in month number
Full guide, 3 min readOne extra EMI a year: how a 20-year home loan quietly becomes a 17-year loanRead the story behind this tool →
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History

All history →

Loan Prepayment Calculator (Interest Saved) — at a glance

Check what a lump-sum prepayment does to your loan.

You enter
₹10,00,000 loan at 9%
Prepay ₹2,00,000 in month 24
Calculate Savings
Result
Interest saved
Months saved

How to use it — step by step

Loan amount, rate, tenure, the prepayment amount and the month you pay it.

1

Enter your values

Fill in the fields. Default numbers are shown so you can see how it works.

2

Press Calculate Savings

The answer appears at once as large result cards.

3

Copy or share

Copy the result, or share a link that opens with your numbers filled in.

Pro tips

Small things that make the result better.

✦The EMI stays the same, so the loan ends sooner.
✦Earlier prepayments save more interest.
✦Check for a prepayment penalty with your lender.

Quick facts

Freeno signup
Privateruns in your browser
Instantresult in a second
No limituse it as often as you like

Frequently Asked Questions

Does the EMI change?+

No. This calculator keeps the EMI fixed and shows how many months you save.

Is it exact?+

It is a close estimate using monthly compounding. Your bank statement may differ by a few rupees.

Is my data safe?+

Yes. Everything runs inside your own browser. Your text, files and images are never uploaded to any server.

Is this tool really free?+

Yes — completely free, no signup, no watermark and no usage limit.

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Guides you might like

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Mortgage CalculatorHome loan: where your EMI goes in year 1 and in year 20
EMI CalculatorYour EMI is mostly interest for the first decade. Here is the proof.
Loan Amortization CalculatorLoan amortization schedule explained: why early EMIs are mostly interest
Down Payment Calculator (Home & Car)Down payment calculator: how much to put down on a home and what it does to your EMI and total interest