Strategy 01
Extra EMI Every Year Popular
Pay additional EMIs annually — one extra instalment can cut years off your loan and save lakhs in interest.
Interest Saved
—
Time Saved
—
New Tenure
—
Loan Details
₹
% p.a.
Yrs
Monthly EMI
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Standard payment
Total Interest
—
Extra over principal
Total Payment
—
Principal + Interest
Remaining Tenure
—
From today
Combined Strategy Impact
Interest Saved: —
Time Saved: —
New Tenure: —
Multi-Strategy Active
Smart Strategies
Select one or more strategies. Impact is calculated for all active strategies combined.
✓
📈
Strategy 02
Annual EMI Hike
Increase your EMI every year matching your salary hike. A small annual step-up creates massive savings over time.
Interest Saved
—
Time Saved
—
New Tenure
—
✓
📅
Strategy 03
Quarterly Boost
Pay an extra 0.5 EMI every quarter. Perfect if you receive quarterly bonuses, dividends, or freelance income.
Interest Saved
—
Time Saved
—
New Tenure
—
✓
Strategy 04
Bi-Annual Boost
Pay one full extra EMI every 6 months. Ideal for professionals who receive half-yearly bonuses or performance incentives.
Interest Saved
—
Time Saved
—
New Tenure
—
✓
🎯
Strategy 05
Target Closure Goal-Based
Set your target year to close the loan. We'll compute the exact annual lumpsum needed — right to the rupee.
Annual Lumpsum
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Interest Saved
—
Years Saved
—
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Strategy 06 · NEW
Beat Interest with SIP Smart Money
Instead of pre-paying, invest a small monthly SIP in a top-rated mutual fund. Let your investments cover the loan interest and leave you richer.
% p.a.
HDFC Multi Cap Fund — Direct Growth
View Fund on AMC Website ↗
Monthly SIP
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SIP Tenure
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Total Invested
—
Total Returns
—
Loan Interest Paid
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Net Surplus
—
* Mutual fund returns are subject to market risk. Past CAGR is not a guarantee of future returns. Consult a SEBI-registered advisor before investing.
Payment Schedule
⚠ Past EMIs shown at standard plan. Strategy payments apply from today onwards.
Full amortization with combined strategy impact
Past EMIs (Standard)
Strategy Payments
| Month | Date | Opening Balance | Total EMI Paid | Principal | Interest | Extra Amount | Closing Balance |
|---|
₹
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