Move the sliders to match your loan, then add every part payment or rate change as an "endorsement" — watch your debt-free date move closer with every entry. Every rupee you put in gets you there faster.
YOU'RE GETTING CLOSER
!
Not financial advice. This tool is built for the general public purely for representational and educational purposes — to help you understand how part payments, rate changes, and EMI changes affect a loan over time. The maker of this tool is not a financial expert, and the figures shown are simplified estimates, not a substitute for your loan statement or a qualified advisor. Please verify all numbers with your bank before making any financial decision.
Loan details
Drag the sliders to match your loan — your debt-free date recalculates as you go.
₹
₹50K₹15Cr
%
1%20%
mo
6 mo360 mo
Leave empty to use today's date.
Also called a moratorium or EMI holiday. No EMI is due during this period — interest keeps accruing on your balance and is added to it (capitalised). Your chosen tenure is the number of EMI instalments, so it starts only after the holiday ends; the loan therefore runs for holiday + tenure months in total.
Recalculating your debt-free date…
Endorsements
Add any events that happened (or that you're planning) during the loan — a rate revision, a part payment, or a change in EMI.
Interest rate change
🎉 Part payment (fast-track!)
EMI change
No endorsements added yet — the schedule below uses your base loan terms as-is.
Your progress
Your climb down to zero
Watch your balance fall towards closure. Gold stars mark the part payments that got you there sooner.
Monthly ledger
Every payment, in order. Green rows are the months you paid extra and moved your closure date closer.