Home Loan Pre-Payment Calculator
Explore how much can be saved with regular pre-payment
Overview
Monthly EMI ₹ 36,724
You Saved ₹ 119,537
Without Pre-Payment 12 years
Loan Amount
₹ 3,000,000
Interest Paid
₹ 2,288,288
Total Paid
₹ 5,288,288
Pre-payment
₹ 0
With Pre-Payment 11.6 years
Loan Amount
₹ 3,000,000
Interest Paid
₹ 2,168,750
Total Paid
₹ 5,168,750
Pre-payment
₹ 50,000
Details
Monthly EMI ₹ 36,724 You Saved ₹ 119,537
| # | Month | Starting Balance | Interest Paid | Principle Paid | Ending Balance | Pre-Payment |
|---|---|---|---|---|---|---|
| 1.00 | Dec, 24 | 3,000,000.00 | 26,250.00 | 10,474.22 | 2,989,525.78 | 0.00 |
| 2.00 | Jan, 25 | 2,989,525.78 | 26,158.35 | 10,565.87 | 2,928,959.91 | 50,000.00 |
| 3.00 | Feb, 25 | 2,928,959.91 | 25,628.40 | 11,095.82 | 2,917,864.09 | 0.00 |
| 4.00 | Mar, 25 | 2,917,864.09 | 25,531.31 | 11,192.91 | 2,906,671.18 | 0.00 |
| 5.00 | Apr, 25 | 2,906,671.18 | 25,433.37 | 11,290.85 | 2,895,380.33 | 0.00 |
| 6.00 | May, 25 | 2,895,380.33 | 25,334.58 | 11,389.64 | 2,883,990.69 | 0.00 |
| 7.00 | Jun, 25 | 2,883,990.69 | 25,234.92 | 11,489.30 | 2,872,501.39 | 0.00 |
| 8.00 | Jul, 25 | 2,872,501.39 | 25,134.39 | 11,589.83 | 2,860,911.55 | 0.00 |
| 9.00 | Aug, 25 | 2,860,911.55 | 25,032.98 | 11,691.24 | 2,849,220.31 | 0.00 |
| 10.00 | Sep, 25 | 2,849,220.31 | 24,930.68 | 11,793.54 | 2,837,426.77 | 0.00 |
| 11.00 | Oct, 25 | 2,837,426.77 | 24,827.48 | 11,896.74 | 2,825,530.03 | 0.00 |
| 12.00 | Nov, 25 | 2,825,530.03 | 24,723.39 | 12,000.83 | 2,813,529.20 | 0.00 |
| 13.00 | Dec, 25 | 2,813,529.20 | 24,618.38 | 12,105.84 | 2,801,423.36 | 0.00 |
| 14.00 | Jan, 26 | 2,801,423.36 | 24,512.45 | 12,211.77 | 2,789,211.59 | 0.00 |
| 15.00 | Feb, 26 | 2,789,211.59 | 24,405.60 | 12,318.62 | 2,776,892.97 | 0.00 |
| 16.00 | Mar, 26 | 2,776,892.97 | 24,297.81 | 12,426.41 | 2,764,466.56 | 0.00 |
| 17.00 | Apr, 26 | 2,764,466.56 | 24,189.08 | 12,535.14 | 2,751,931.43 | 0.00 |
| 18.00 | May, 26 | 2,751,931.43 | 24,079.40 | 12,644.82 | 2,739,286.61 | 0.00 |
| 19.00 | Jun, 26 | 2,739,286.61 | 23,968.76 | 12,755.46 | 2,726,531.14 | 0.00 |
| 20.00 | Jul, 26 | 2,726,531.14 | 23,857.15 | 12,867.07 | 2,713,664.07 | 0.00 |
| 21.00 | Aug, 26 | 2,713,664.07 | 23,744.56 | 12,979.66 | 2,700,684.41 | 0.00 |
| 22.00 | Sep, 26 | 2,700,684.41 | 23,630.99 | 13,093.23 | 2,687,591.18 | 0.00 |
| 23.00 | Oct, 26 | 2,687,591.18 | 23,516.42 | 13,207.80 | 2,674,383.38 | 0.00 |
| 24.00 | Nov, 26 | 2,674,383.38 | 23,400.85 | 13,323.37 | 2,661,060.01 | 0.00 |
| 25.00 | Dec, 26 | 2,661,060.01 | 23,284.28 | 13,439.95 | 2,647,620.07 | 0.00 |
| 26.00 | Jan, 27 | 2,647,620.07 | 23,166.68 | 13,557.54 | 2,634,062.52 | 0.00 |
| 27.00 | Feb, 27 | 2,634,062.52 | 23,048.05 | 13,676.17 | 2,620,386.35 | 0.00 |
| 28.00 | Mar, 27 | 2,620,386.35 | 22,928.38 | 13,795.84 | 2,606,590.51 | 0.00 |
| 29.00 | Apr, 27 | 2,606,590.51 | 22,807.67 | 13,916.55 | 2,592,673.96 | 0.00 |
| 30.00 | May, 27 | 2,592,673.96 | 22,685.90 | 14,038.32 | 2,578,635.63 | 0.00 |
| 31.00 | Jun, 27 | 2,578,635.63 | 22,563.06 | 14,161.16 | 2,564,474.47 | 0.00 |
| 32.00 | Jul, 27 | 2,564,474.47 | 22,439.15 | 14,285.07 | 2,550,189.41 | 0.00 |
| 33.00 | Aug, 27 | 2,550,189.41 | 22,314.16 | 14,410.06 | 2,535,779.34 | 0.00 |
| 34.00 | Sep, 27 | 2,535,779.34 | 22,188.07 | 14,536.15 | 2,521,243.19 | 0.00 |
| 35.00 | Oct, 27 | 2,521,243.19 | 22,060.88 | 14,663.34 | 2,506,579.85 | 0.00 |
| 36.00 | Nov, 27 | 2,506,579.85 | 21,932.57 | 14,791.65 | 2,491,788.20 | 0.00 |
| 37.00 | Dec, 27 | 2,491,788.20 | 21,803.15 | 14,921.07 | 2,476,867.13 | 0.00 |
| 38.00 | Jan, 28 | 2,476,867.13 | 21,672.59 | 15,051.63 | 2,461,815.49 | 0.00 |
| 39.00 | Feb, 28 | 2,461,815.49 | 21,540.89 | 15,183.33 | 2,446,632.16 | 0.00 |
| 40.00 | Mar, 28 | 2,446,632.16 | 21,408.03 | 15,316.19 | 2,431,315.97 | 0.00 |
| 41.00 | Apr, 28 | 2,431,315.97 | 21,274.01 | 15,450.21 | 2,415,865.76 | 0.00 |
| 42.00 | May, 28 | 2,415,865.76 | 21,138.83 | 15,585.40 | 2,400,280.37 | 0.00 |
| 43.00 | Jun, 28 | 2,400,280.37 | 21,002.45 | 15,721.77 | 2,384,558.60 | 0.00 |
| 44.00 | Jul, 28 | 2,384,558.60 | 20,864.89 | 15,859.33 | 2,368,699.27 | 0.00 |
| 45.00 | Aug, 28 | 2,368,699.27 | 20,726.12 | 15,998.10 | 2,352,701.17 | 0.00 |
| 46.00 | Sep, 28 | 2,352,701.17 | 20,586.14 | 16,138.09 | 2,336,563.08 | 0.00 |
| 47.00 | Oct, 28 | 2,336,563.08 | 20,444.93 | 16,279.29 | 2,320,283.79 | 0.00 |
| 48.00 | Oct, 28 | 2,320,283.79 | 20,302.48 | 16,421.74 | 2,303,862.05 | 0.00 |
| 49.00 | Nov, 28 | 2,303,862.05 | 20,158.79 | 16,565.43 | 2,287,296.62 | 0.00 |
| 50.00 | Dec, 28 | 2,287,296.62 | 20,013.85 | 16,710.38 | 2,270,586.25 | 0.00 |
| 51.00 | Jan, 29 | 2,270,586.25 | 19,867.63 | 16,856.59 | 2,253,729.66 | 0.00 |
| 52.00 | Feb, 29 | 2,253,729.66 | 19,720.13 | 17,004.09 | 2,236,725.57 | 0.00 |
| 53.00 | Mar, 29 | 2,236,725.57 | 19,571.35 | 17,152.87 | 2,219,572.70 | 0.00 |
| 54.00 | Apr, 29 | 2,219,572.70 | 19,421.26 | 17,302.96 | 2,202,269.74 | 0.00 |
| 55.00 | May, 29 | 2,202,269.74 | 19,269.86 | 17,454.36 | 2,184,815.38 | 0.00 |
| 56.00 | Jun, 29 | 2,184,815.38 | 19,117.13 | 17,607.09 | 2,167,208.29 | 0.00 |
| 57.00 | Jul, 29 | 2,167,208.29 | 18,963.07 | 17,761.15 | 2,149,447.15 | 0.00 |
| 58.00 | Aug, 29 | 2,149,447.15 | 18,807.66 | 17,916.56 | 2,131,530.59 | 0.00 |
| 59.00 | Sep, 29 | 2,131,530.59 | 18,650.89 | 18,073.33 | 2,113,457.26 | 0.00 |
| 60.00 | Oct, 29 | 2,113,457.26 | 18,492.75 | 18,231.47 | 2,095,225.79 | 0.00 |
| 61.00 | Nov, 29 | 2,095,225.79 | 18,333.23 | 18,390.99 | 2,076,834.80 | 0.00 |
| 62.00 | Dec, 29 | 2,076,834.80 | 18,172.30 | 18,551.92 | 2,058,282.88 | 0.00 |
| 63.00 | Jan, 30 | 2,058,282.88 | 18,009.98 | 18,714.25 | 2,039,568.63 | 0.00 |
| 64.00 | Feb, 30 | 2,039,568.63 | 17,846.23 | 18,877.99 | 2,020,690.64 | 0.00 |
| 65.00 | Mar, 30 | 2,020,690.64 | 17,681.04 | 19,043.18 | 2,001,647.46 | 0.00 |
| 66.00 | Apr, 30 | 2,001,647.46 | 17,514.42 | 19,209.81 | 1,982,437.66 | 0.00 |
| 67.00 | May, 30 | 1,982,437.66 | 17,346.33 | 19,377.89 | 1,963,059.77 | 0.00 |
| 68.00 | Jun, 30 | 1,963,059.77 | 17,176.77 | 19,547.45 | 1,943,512.32 | 0.00 |
| 69.00 | Jul, 30 | 1,943,512.32 | 17,005.73 | 19,718.49 | 1,923,793.83 | 0.00 |
| 70.00 | Aug, 30 | 1,923,793.83 | 16,833.20 | 19,891.02 | 1,903,902.81 | 0.00 |
| 71.00 | Sep, 30 | 1,903,902.81 | 16,659.15 | 20,065.07 | 1,883,837.74 | 0.00 |
| 72.00 | Oct, 30 | 1,883,837.74 | 16,483.58 | 20,240.64 | 1,863,597.10 | 0.00 |
| 73.00 | Nov, 30 | 1,863,597.10 | 16,306.47 | 20,417.75 | 1,843,179.35 | 0.00 |
| 74.00 | Dec, 30 | 1,843,179.35 | 16,127.82 | 20,596.40 | 1,822,582.95 | 0.00 |
| 75.00 | Jan, 31 | 1,822,582.95 | 15,947.60 | 20,776.62 | 1,801,806.33 | 0.00 |
| 76.00 | Feb, 31 | 1,801,806.33 | 15,765.81 | 20,958.42 | 1,780,847.91 | 0.00 |
| 77.00 | Mar, 31 | 1,780,847.91 | 15,582.42 | 21,141.80 | 1,759,706.11 | 0.00 |
| 78.00 | Apr, 31 | 1,759,706.11 | 15,397.43 | 21,326.79 | 1,738,379.32 | 0.00 |
| 79.00 | May, 31 | 1,738,379.32 | 15,210.82 | 21,513.40 | 1,716,865.92 | 0.00 |
| 80.00 | Jun, 31 | 1,716,865.92 | 15,022.58 | 21,701.64 | 1,695,164.27 | 0.00 |
| 81.00 | Jul, 31 | 1,695,164.27 | 14,832.69 | 21,891.53 | 1,673,272.74 | 0.00 |
| 82.00 | Aug, 31 | 1,673,272.74 | 14,641.14 | 22,083.08 | 1,651,189.66 | 0.00 |
| 83.00 | Sep, 31 | 1,651,189.66 | 14,447.91 | 22,276.31 | 1,628,913.35 | 0.00 |
| 84.00 | Oct, 31 | 1,628,913.35 | 14,252.99 | 22,471.23 | 1,606,442.12 | 0.00 |
| 85.00 | Nov, 31 | 1,606,442.12 | 14,056.37 | 22,667.85 | 1,583,774.27 | 0.00 |
| 86.00 | Dec, 31 | 1,583,774.27 | 13,858.02 | 22,866.20 | 1,560,908.07 | 0.00 |
| 87.00 | Jan, 32 | 1,560,908.07 | 13,657.95 | 23,066.27 | 1,537,841.79 | 0.00 |
| 88.00 | Feb, 32 | 1,537,841.79 | 13,456.12 | 23,268.10 | 1,514,573.69 | 0.00 |
| 89.00 | Mar, 32 | 1,514,573.69 | 13,252.52 | 23,471.70 | 1,491,101.99 | 0.00 |
| 90.00 | Apr, 32 | 1,491,101.99 | 13,047.14 | 23,677.08 | 1,467,424.91 | 0.00 |
| 91.00 | May, 32 | 1,467,424.91 | 12,839.97 | 23,884.25 | 1,443,540.66 | 0.00 |
| 92.00 | Jun, 32 | 1,443,540.66 | 12,630.98 | 24,093.24 | 1,419,447.42 | 0.00 |
| 93.00 | Jul, 32 | 1,419,447.42 | 12,420.16 | 24,304.06 | 1,395,143.36 | 0.00 |
| 94.00 | Aug, 32 | 1,395,143.36 | 12,207.50 | 24,516.72 | 1,370,626.65 | 0.00 |
| 95.00 | Sep, 32 | 1,370,626.65 | 11,992.98 | 24,731.24 | 1,345,895.41 | 0.00 |
| 96.00 | Oct, 32 | 1,345,895.41 | 11,776.58 | 24,947.64 | 1,320,947.77 | 0.00 |
| 97.00 | Nov, 32 | 1,320,947.77 | 11,558.29 | 25,165.93 | 1,295,781.85 | 0.00 |
| 98.00 | Dec, 32 | 1,295,781.85 | 11,338.09 | 25,386.13 | 1,270,395.72 | 0.00 |
| 99.00 | Jan, 33 | 1,270,395.72 | 11,115.96 | 25,608.26 | 1,244,787.46 | 0.00 |
| 100.00 | Feb, 33 | 1,244,787.46 | 10,891.89 | 25,832.33 | 1,218,955.13 | 0.00 |
| 101.00 | Mar, 33 | 1,218,955.13 | 10,665.86 | 26,058.36 | 1,192,896.77 | 0.00 |
| 102.00 | Apr, 33 | 1,192,896.77 | 10,437.85 | 26,286.37 | 1,166,610.39 | 0.00 |
| 103.00 | May, 33 | 1,166,610.39 | 10,207.84 | 26,516.38 | 1,140,094.01 | 0.00 |
| 104.00 | Jun, 33 | 1,140,094.01 | 9,975.82 | 26,748.40 | 1,113,345.61 | 0.00 |
| 105.00 | Jul, 33 | 1,113,345.61 | 9,741.77 | 26,982.45 | 1,086,363.17 | 0.00 |
| 106.00 | Aug, 33 | 1,086,363.17 | 9,505.68 | 27,218.54 | 1,059,144.63 | 0.00 |
| 107.00 | Sep, 33 | 1,059,144.63 | 9,267.52 | 27,456.71 | 1,031,687.92 | 0.00 |
| 108.00 | Oct, 33 | 1,031,687.92 | 9,027.27 | 27,696.95 | 1,003,990.97 | 0.00 |
| 109.00 | Nov, 33 | 1,003,990.97 | 8,784.92 | 27,939.30 | 976,051.67 | 0.00 |
| 110.00 | Dec, 33 | 976,051.67 | 8,540.45 | 28,183.77 | 947,867.90 | 0.00 |
| 111.00 | Jan, 34 | 947,867.90 | 8,293.84 | 28,430.38 | 919,437.52 | 0.00 |
| 112.00 | Feb, 34 | 919,437.52 | 8,045.08 | 28,679.14 | 890,758.38 | 0.00 |
| 113.00 | Mar, 34 | 890,758.38 | 7,794.14 | 28,930.08 | 861,828.30 | 0.00 |
| 114.00 | Apr, 34 | 861,828.30 | 7,541.00 | 29,183.22 | 832,645.07 | 0.00 |
| 115.00 | May, 34 | 832,645.07 | 7,285.64 | 29,438.58 | 803,206.50 | 0.00 |
| 116.00 | Jun, 34 | 803,206.50 | 7,028.06 | 29,696.16 | 773,510.34 | 0.00 |
| 117.00 | Jul, 34 | 773,510.34 | 6,768.22 | 29,956.01 | 743,554.33 | 0.00 |
| 118.00 | Aug, 34 | 743,554.33 | 6,506.10 | 30,218.12 | 713,336.21 | 0.00 |
| 119.00 | Aug, 34 | 713,336.21 | 6,241.69 | 30,482.53 | 682,853.68 | 0.00 |
| 120.00 | Sep, 34 | 682,853.68 | 5,974.97 | 30,749.25 | 652,104.43 | 0.00 |
| 121.00 | Oct, 34 | 652,104.43 | 5,705.91 | 31,018.31 | 621,086.12 | 0.00 |
| 122.00 | Nov, 34 | 621,086.12 | 5,434.50 | 31,289.72 | 589,796.41 | 0.00 |
| 123.00 | Dec, 34 | 589,796.41 | 5,160.72 | 31,563.50 | 558,232.90 | 0.00 |
| 124.00 | Jan, 35 | 558,232.90 | 4,884.54 | 31,839.68 | 526,393.22 | 0.00 |
| 125.00 | Feb, 35 | 526,393.22 | 4,605.94 | 32,118.28 | 494,274.94 | 0.00 |
| 126.00 | Mar, 35 | 494,274.94 | 4,324.91 | 32,399.31 | 461,875.63 | 0.00 |
| 127.00 | Apr, 35 | 461,875.63 | 4,041.41 | 32,682.81 | 429,192.82 | 0.00 |
| 128.00 | May, 35 | 429,192.82 | 3,755.44 | 32,968.78 | 396,224.04 | 0.00 |
| 129.00 | Jun, 35 | 396,224.04 | 3,466.96 | 33,257.26 | 362,966.77 | 0.00 |
| 130.00 | Jul, 35 | 362,966.77 | 3,175.96 | 33,548.26 | 329,418.51 | 0.00 |
| 131.00 | Aug, 35 | 329,418.51 | 2,882.41 | 33,841.81 | 295,576.71 | 0.00 |
| 132.00 | Sep, 35 | 295,576.71 | 2,586.30 | 34,137.92 | 261,438.78 | 0.00 |
| 133.00 | Oct, 35 | 261,438.78 | 2,287.59 | 34,436.63 | 227,002.15 | 0.00 |
| 134.00 | Nov, 35 | 227,002.15 | 1,986.27 | 34,737.95 | 192,264.20 | 0.00 |
| 135.00 | Dec, 35 | 192,264.20 | 1,682.31 | 35,041.91 | 157,222.29 | 0.00 |
| 136.00 | Jan, 36 | 157,222.29 | 1,375.70 | 35,348.53 | 121,873.76 | 0.00 |
| 137.00 | Feb, 36 | 121,873.76 | 1,066.40 | 35,657.83 | 86,215.94 | 0.00 |
| 138.00 | Mar, 36 | 86,215.94 | 754.39 | 35,969.83 | 50,246.11 | 0.00 |
| 139.00 | Apr, 36 | 50,246.11 | 439.65 | 36,284.57 | 13,961.54 | 0.00 |
| 140.00 | May, 36 | 13,961.54 | 122.16 | 13,961.54 | 0.00 | 0.00 |