What you provide
What you provide
- Current outstanding principal
- Current rate and term remaining
- One-time and recurring prepayment amounts
HOME FINANCE / PLAN AHEAD
Home Loan Prepayment Calculator
See how a one-time prepayment or a monthly top-up can change the remaining tenure and interest on your home loan.
- 01 Calculated in this tab
- 02 Values stay in this browser tab
- 03 Use boundary
Use boundary
Calculation path
Nirmion first recreates the remaining schedule, reduces the balance by your one-time payment, then simulates the revised balance month by month.
Calculation path
Nirmion amortises the remaining balance month by month, applies the selected prepayment, and stops when the balance reaches zero.
What you receive
What you receive
- Estimated interest saved
- Revised payoff time
- Term reduction from the selected plan
Use boundary
Choose the maximum decimal places shown. This does not increase source accuracy.
Confirm prepayment charges, rate resets, and whether your lender reduces EMI or tenure before relying on this estimate.