Pre-EMI Interest
?Interest charged from disbursement date to first EMI date. Paid separately before regular EMIs begin.
₹0
Total Interest
₹0
Total Payment
₹0
Tax Benefits (Indian IT Act)
Sec 80C (Principal)
₹0 / ₹1,50,000
Sec 24(b) (Interest)
₹0 / ₹2,00,000
Effective Rate (30% slab)
—
Annual Tax Saving
₹0
Optimization & Wealth Creation
Loan closes —
1
Accelerated Pre-Payment
Extra EMIs (Yearly)
Extra Principal (Yearly ₹)
Extra Principal (Monthly ₹)
2
Parallel Investment
No investments added yet.
Add a SIP or Lumpsum to compare against prepayment.
Combined Net Analysis
How is this calculated??Net Result = Investment Profit − Interest Saved by Prepayment. A positive result means investing beats prepaying; negative means prepaying is the smarter choice.
Base Interest
₹0
Interest Saved
?Total interest reduction from all prepayments (vs. original loan).
₹0
Investment Profit
₹0
Net Result
?Investment Profit minus Interest Saved. Positive = investing wins. Negative = prepaying wins.