Make a one-time extra payment towards your loan (optional)
Enter when you plan to make the prepayment
Enter the amount you wish to prepay
Rate Change
Simulate a change in interest rate during your loan (optional)
Home Loan Decision Engine
Small loan decisions. Big lifetime impact.
Your home loan runs for years — small decisions on timing, prepayments, and rate changes can significantly change how much you pay in total.
See the real impact on:
💰Total interest paid
⏳Years to debt-free
💸Monthly cashflow
⚡Timing effect
⚡The same prepayment done in month 12 vs month 48 can lead to drastically different total interest — timing changes everything.
⏳ Reduce Tenure
Keep EMI the same — close your loan earlier and reduce total interest paid.
💸 Reduce EMI
Keep tenure the same — reduce your monthly EMI and improve cashflow flexibility.
👈
Enter your loan details and click Run Simulation See the full impact before you make any real decision.
This is the total financial impact of your decision over the life of the loan.
Small changes in timing can create large differences in total cost.
↓ See how this impacts your loan
Baseline Scenario
Your loan — before any decisions
→ Enter your own scenario on the left to explore further.
Base Loan Summary
Before any prepayment or rate changes
Total Financial Impact
Here’s what changes in your loan when you take this decision:
💰 Total Interest Reduction
↓ Reduction in total loan cost
🧾 Your total repayment after this decision
⚡ When you acted changed this outcome — see the timing breakdown below
💡 How to read this:
• Total Interest Reduction = Actual reduction in what you pay to the bank
• Cashflow / Time Impact = How your loan experience changes (EMI or duration)
👉 Interest savings reduce your total loan cost
👉 Cashflow / time impact changes how you experience the loan over time
How your decision changed your loan
Loan Balance Over Time
This shows how your outstanding loan changes across scenarios
Lower curves indicate faster loan reduction and lower interest exposure over time
