Advanced Loan Strategy Builder

Core Loan Details

Loan Amount (₹)

Current Rate (%)

Tenure (Years)

Starting Base EMI

₹ 0

Rate Change / Refinance

Enable Rate Change / Switch

New Rate (%)

At Month #

Switching/Process Fee (₹)

Prepayment Strategy

Extra Monthly (₹)

Step-Up EMI (Annual Growth)

Increase extra monthly prepayment by (%) every year:

Extra Yearly (₹)

Multiple Lumpsums

Macro & Insights

Goal: Payoff in Specific Years

10 Yrs

Target extra monthly: ₹0

Prepay vs Invest & Tax

Expected Investment Return (%)

Your Tax Bracket (%)

Effective Loan Rate: 8.7%

Inflation (Real Value)

Expected Inflation Rate (%)

In today's money (NPV), standard loan costs ₹0. By prepaying, it effectively costs ₹0.

No Prepayment

Total Interest & Fees

₹ 0

Loan Paid In

0 Years

RECOMMENDED

Reduce Term

Money Saved

₹ 0

Loan Paid In

0 Years

Reduce EMI

Money Saved

₹ 0

Loan Paid In

0 Years

Outstanding Balance Over Time

Cost Breakdown

Current strategy: Reduce Term

Amortization Schedule

Mth	Rate	Opening Bal	EMI	Interest	Principal	Extra Pay	Closing Bal