Please fix the highlighted fields.
Loan Details
Section 1
Enter a valid amount
Monthly EMI
₹0
Pre-EMI Interest
?Interest from disbursement to 1st EMI date, paid separately.
₹0
Total Interest
₹0
Total Payment
₹0
Tax Benefits (Indian IT Act)
Sec 80C (Principal/yr)
₹0 / ₹1,50,000
Sec 24(b) (Interest/yr)
₹0 / ₹2,00,000
Effective Rate (30% slab)
—
Annual Tax Saving
₹0
Optimization & Wealth Creation
Closes —
Combined Prepayment Impact
Interest Saved
₹0
Months Saved
0
New Closure
—
1
Accelerated Pre-Payment
Extra EMIs (Yearly)
Extra Principal / Year (₹)
Extra Principal / Month (₹)
2
Parallel Investment
No investments added yet.
Add a SIP or Lumpsum to compare against prepayment.
Combined Net Analysis
Formula ?
Net = Investment Profit − (Base Interest − Interest Saved)
Positive → Investing strategy wins.
Negative → Prepaying is smarter.
Positive → Investing strategy wins.
Negative → Prepaying is smarter.
Base Interest
₹0
Interest Saved
?Total interest reduction vs. original loan due to all active prepayments combined.
₹0
Investment Profit
₹0
Net Result
?
Net = Investment Profit − (Base Interest − Interest Saved)
= Investment Profit − Net Interest Cost
= Investment Profit − Net Interest Cost
₹0
Balance Transfer Comparison
Amortization Chart
Investment vs Loan Balance
| Year | Principal | Interest | Extra Prepaid | Balance |
|---|