Loan Part Payment Optimizer

Loan Repayment Impact Calculator

See how part payments and EMI increases affect tenure and total interest paid — compare scenarios instantly.

Loan Details

Loan Amount (₹) Interest Rate (% p.a.) Tenure (Years)

Part Payment

Part Payment Amount (₹) Optional. Set 0 if no part payment. Part Payment Month (from start) Example: 12 = after 1 year.

Increase EMI

Increase EMI By (₹/month) Optional. Set 0 if no EMI increase. Increase From Month Example: 1 = immediately.

Results

Base vs scenarios (A/B/C/D).

Base EMI

—

Base Tenure

—

Base Total Interest

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A) Part Payment → Reduce Tenure (EMI same)

New Tenure —

Months Saved —

Interest Saved —

B) Part Payment → Reduce EMI (Tenure same)

New EMI —

Tenure —

Interest Saved —

C) Part Payment + EMI Increase → Reduce Tenure

New Tenure —

Months Saved —

Interest Saved —

D) Part Payment → Reduce EMI, then EMI Increase Applied

New Tenure —

Months Saved —

Interest Saved —

Interest saved is computed against the Base schedule. Scenario C uses Base EMI + Increase (from month M). Scenario D first recalculates EMI after part payment (Reduce EMI path), then adds the EMI increase from month M.

Full Amortization Schedule

Month-wise breakdown. Select Base / A / B / C / D.

Month	Opening	EMI	Interest	Principal	Part Pay	Closing

A = PP reduce tenure, B = PP reduce EMI (tenure fixed), C = PP + inc (reduce tenure), D = PP reduce EMI then inc applied (tenure can reduce).