Comprehensive Loan Calculator

All-in-one loan calculator with EMI calculation, amortization schedule, prepayment analysis, and detailed charts to help you make informed borrowing decisions.

Loan Amount (₹)

Annual Interest Rate (%)

Loan Tenure (Years)

Extra Monthly Payment (₹) - Optional Enter any additional amount you plan to pay monthly

Prepayment Method

Direct Monthly Payment (pay extra amount directly to principal each month) SIP-Based Annual Payment (invest extra amount in SIP monthly, pay accumulated amount annually)

Expected SIP Annual Return (%) Expected annual return rate for your SIP investment

Comprehensive Loan Calculator

Impact of Prepayment

Principal vs Interest Breakdown

Loan Balance Over Time

Interest Comparison

Detailed Payment Schedule