Smarter loan planning

A shorter loan startswith a clearer plan.

Compare EMI step-ups and prepayments to see the trade-offs before you commit to a repayment path.

Plan my loan Read the guide

Educational tool, not advice. Compare scenarios so the cost of each option is clear.

A home loan planning illustration with a house and repayment chart.

This website is best experienced on a laptop, desktop, or larger screen. Some charts and tools may feel limited on mobile interfaces.


Enter your details below to personalize this chart on your data — takes about 2 minutes.

Loan Inputs

It's a good practice to shed 1-2 extra installments every year. Each January, the simulator adds this many EMI-equivalent prepayments to the Step-Up + Prepayment track.

This is the amount with which your investment increases every year by a fixed percentage, helping you invest more as your income grows and build higher long-term returns.

You may assume ~3% for developed, ~6% for developing, and ~12% for underdeveloped nations, but confirm with current data as these are only estimates.

FAQ

Smart loan simulator questions.

Use these answers to avoid common modeling mistakes.

Does this tool support floating interest rates?

No. It simulates fixed-rate amortizing loans only.

Annual step up looks scary?

If your income increases at the same rate as inflation, the additional income should ideally be used to proportionally increase your monthly EMIs as well.

What if prepayment amount exceeds outstanding?

It is capped automatically at the remaining outstanding principal.

How are savings shown?

Time saved is shown as a percentage reduction in loan duration versus the baseline schedule.