[{"data":1,"prerenderedAt":154},["ShallowReactive",2],{"site-nav":3},{"sections":4,"alternates":100,"hubs":113,"guides":137},[5,40,63,78,93],{"heading":6,"items":7},"Loans & debt · India",[8,12,16,20,24,28,32,36],{"path":9,"name":10,"blurb":11},"\u002Fin\u002Fhome-loan-prepayment-calculator","Prepayment calculator","Model lump sums, monthly top-ups and yearly bonuses together, and see what each one removes from your interest bill.",{"path":13,"name":14,"blurb":15},"\u002Fin\u002Fhome-loan-emi-calculator","EMI calculator","Work out the monthly instalment from your balance, rate and remaining tenure — with the full schedule behind it.",{"path":17,"name":18,"blurb":19},"\u002Fin\u002Fhome-loan-amortization-schedule","Amortization schedule","The complete payment-by-payment breakdown — opening balance, interest, principal and closing balance, year by year.",{"path":21,"name":22,"blurb":23},"\u002Fin\u002Fhome-loan-part-payment-calculator","Part payment calculator","One lump sum, one date. See the interest it removes and the months it cuts before you commit the money.",{"path":25,"name":26,"blurb":27},"\u002Fin\u002Freduce-emi-or-tenure-calculator","Reduce EMI or tenure","The one decision that changes your outcome most. Both options costed simultaneously on your own loan.",{"path":29,"name":30,"blurb":31},"\u002Fin\u002Fhome-loan-foreclosure-calculator","Foreclosure calculator","Closing the whole loan early. Weighs the interest saved against every charge, and reports a signed net benefit.",{"path":33,"name":34,"blurb":35},"\u002Fin\u002Fcar-loan-emi-calculator","Car loan EMI calculator","EMI, total interest and the true reducing-balance rate on a fixed-rate car loan, with any pre-payment charge from your KFS.",{"path":37,"name":38,"blurb":39},"\u002Fin\u002Fpersonal-loan-emi-calculator","Personal loan EMI calculator","EMI and total interest on a personal loan, and whether a part payment still saves money after the lender's pre-payment charge.",{"heading":41,"items":42},"Loans & debt · United States",[43,47,51,55,59],{"path":44,"name":45,"blurb":46},"\u002Fus\u002Fmortgage-payoff-calculator","Mortgage payoff calculator","For US mortgages. See how extra principal payments move your payoff date and cut the interest on a fixed-rate loan.",{"path":48,"name":49,"blurb":50},"\u002Fus\u002Fmortgage-amortization-schedule","Mortgage amortization schedule","Every payment on a US mortgage, split into principal and interest, with the balance after each one and totals by year.",{"path":52,"name":53,"blurb":54},"\u002Fus\u002Fbiweekly-mortgage-calculator","Biweekly mortgage calculator","What paying half your mortgage every two weeks is really worth: one extra monthly payment a year, and the fees to watch for.",{"path":56,"name":57,"blurb":58},"\u002Fus\u002Fauto-loan-calculator","Auto loan calculator","Monthly payment and total interest on a simple-interest car loan, and what paying extra or paying it off early saves.",{"path":60,"name":61,"blurb":62},"\u002Fus\u002Fstudent-loan-payoff-calculator","Student loan payoff calculator","For federal and private student loans. See when extra payments clear your balance, and how to stop them just advancing your due date.",{"heading":64,"items":65},"Loans & debt · United Kingdom",[66,70,74],{"path":67,"name":68,"blurb":69},"\u002Fuk\u002Fmortgage-overpayment-calculator","Mortgage overpayment","For UK mortgages. Model lump sums and monthly overpayments against your 10% annual allowance and any early repayment charge.",{"path":71,"name":72,"blurb":73},"\u002Fuk\u002Fmortgage-free-calculator","Mortgage-free planner","Name the year you want to be mortgage-free and see the monthly overpayment that gets you there — or go the other way, from what you can spare.",{"path":75,"name":76,"blurb":77},"\u002Fuk\u002Fmortgage-repayment-calculator","Mortgage repayment calculator","For UK repayment mortgages. Your monthly payment from the balance, rate and term, and how each payment splits between interest and capital.",{"heading":79,"items":80},"Savings & investing",[81,85,89],{"path":82,"name":83,"blurb":84},"\u002Fcompound-interest-calculator","Compound interest calculator","Grow a lump sum and regular deposits at any rate and compounding frequency, year by year, in the currency you choose.",{"path":86,"name":87,"blurb":88},"\u002Fcagr-calculator","CAGR calculator","Turn a starting value, an ending value and a holding period into one smoothed annual growth rate.",{"path":90,"name":91,"blurb":92},"\u002Finflation-calculator","Inflation calculator","See what today's prices will cost in future, and what today's money will buy, at any inflation rate.",{"heading":94,"items":95},"Savings & investing · India",[96],{"path":97,"name":98,"blurb":99},"\u002Fin\u002Fsip-calculator","SIP calculator","Project a monthly mutual fund SIP, with an optional yearly step-up, using AMFI's start-of-month convention.",[101,104,107,110],{"hreflang":102,"path":103},"en-IN","\u002Fin",{"hreflang":105,"path":106},"en-GB","\u002Fuk",{"hreflang":108,"path":109},"en-US","\u002Fus",{"hreflang":111,"path":112},"x-default","\u002F",[114,120,125,129,133],{"path":115,"name":116,"label":117,"description":118,"updated":119},"\u002Floans","Loans & debt","All loan calculators","Free loan and mortgage calculators for India, the UK and the US — EMI, prepayment, payoff and more — each with the full schedule behind its figures.","2026-09-11",{"path":121,"name":79,"label":122,"description":123,"updated":124},"\u002Finvesting","All savings and investing calculators","Compound interest, CAGR and inflation calculators in any currency, plus an Indian SIP calculator — each with its formula and year-by-year working.","2026-09-10",{"path":103,"name":126,"label":127,"description":128,"updated":119},"India","All India calculators","Free calculators for India, in rupees: home loan EMI, prepayment, part payment and foreclosure, car and personal loan EMIs, and a SIP calculator.",{"path":109,"name":130,"label":131,"description":132,"updated":119},"United States","All US calculators","Free US loan calculators in dollars: mortgage payoff, amortization and biweekly payments, auto loans and student loans, each applying US prepayment rules.",{"path":106,"name":134,"label":135,"description":136,"updated":119},"United Kingdom","All UK calculators","Free UK mortgage calculators in pounds: your monthly repayment, what overpaying saves within your allowance, and the overpayment that clears it by a set date.",[138,146],{"slug":139,"title":140,"blurb":141,"updated":124,"minutes":142,"tools":143},"reduce-emi-or-tenure","Reduce EMI or reduce tenure? How to decide","The single choice that decides most of what a prepayment is worth.",6,[144,145],{"path":25,"name":26,"blurb":27},{"path":9,"name":10,"blurb":11},{"slug":147,"title":148,"blurb":149,"updated":124,"minutes":150,"tools":151},"home-loan-prepayment-charges","Home loan prepayment and foreclosure charges","What lenders may and may not charge you for paying early, and what changed on 1 January 2026.",5,[152,153],{"path":29,"name":30,"blurb":31},{"path":21,"name":22,"blurb":23},1789131795345]