India
Calculators for India
Every figure here is in rupees, with lakh and crore grouping. The home loan tools cover the decisions an Indian home loan asks you to make — what the EMI will be, what a prepayment buys, whether to take the saving as a shorter tenure or a lower EMI, and what closing the loan early costs — and apply RBI rules, including the 2025 Directions on prepayment charges. Every result comes with the amortization schedule that produced it.
The SIP calculator projects a monthly mutual fund investment using AMFI's convention: the annual return divided by twelve, with each instalment invested at the start of the month. It shows what you put in and what growth adds, year by year, with an optional annual step-up.
Loans & debt
Prepayment calculator
Model lump sums, monthly top-ups and yearly bonuses together, and see what each one removes from your interest bill.
EMI calculator
Work out the monthly instalment from your balance, rate and remaining tenure — with the full schedule behind it.
Amortization schedule
The complete payment-by-payment breakdown — opening balance, interest, principal and closing balance, year by year.
Part payment calculator
One lump sum, one date. See the interest it removes and the months it cuts before you commit the money.
Reduce EMI or tenure
The one decision that changes your outcome most. Both options costed simultaneously on your own loan.
Foreclosure calculator
Closing the whole loan early. Weighs the interest saved against every charge, and reports a signed net benefit.
Read the reasoning
- Reduce EMI or reduce tenure? How to decide— The single choice that decides most of what a prepayment is worth.
- Home loan prepayment and foreclosure charges: what you can be charged— What lenders may and may not charge you for paying early, and what changed on 1 January 2026.
Every figure these calculators produce follows rules we publish. Read the methodology.