Home Loan Amortization Calculator
Visualize your path to becoming debt-free. Built for Indian homeowners.
Why Use This Calculator?
Extra Lump Sums
Simulate lump-sum prepayments — like your Diwali bonus or annual savings — and see instantly how many years are shaved off your loan tenure.
EMI Step-Ups
Plan for your next salary appraisal by scheduling future EMI increases and watch your total interest drop by lakhs.
Visual Insights
Compare your original payoff path against your newly accelerated strategy with interactive charts tailored to Indian loan structures.
How It Works
Enter Your Base Details
Input your current loan amount, interest rate, and monthly EMI. We will generate your baseline amortization schedule using the standard reducing-balance method used by Indian banks (SBI, HDFC, ICICI, Axis, and others).
Add Your Strategy
Use the advanced section to input the exact dates and amounts of any extra payments you plan to make, or any future increases to your EMI after your next salary appraisal.
See Your Savings
The dashboard instantly recalculates, showing you exactly how many lakhs you saved and your new, earlier debt-free date.