EMI & Amortization
Monthly EMI, total interest and repayment schedule.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
ESTIMATED MONTHLY EMI
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Principal—
Total interest—
Total repayment—
Use the schedule to understand how repayment gradually shifts from interest toward principal.
FULL AMORTIZATION LEDGER
Complete repayment schedule
Track every EMI from opening balance to final payoff, month by month or year by year.
PAYOFF—
TOTAL EMIs—
PRINCIPAL—
INTEREST—
TOTAL OUTGO—
MONTHLY LEDGERYear 1
| Month | Opening balance | EMI | Principal | Interest | Closing balance |
|---|
How to read this: Early EMIs generally carry a higher interest component. As the outstanding balance reduces, a larger share of the same EMI moves toward principal. Figures are indicative and rounded for display.
Loan Eligibility / FOIR
Estimate a profile-based borrowing capacity using income and obligations.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
INDICATIVE ELIGIBLE LOAN
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Available EMI capacity—
FOIR used—
Income buffer after obligations—
FOIR limits vary by lender, product, income type, bureau profile and other policy rules.
FOIR Capacity Map
See current obligations, modeled headroom and post-loan income buffer together.
Current obligation ratio—
Available EMI headroom—
Income buffer—
Modeled loan capacity—
FOIR utilisation after modeled loan
—Live interpretation
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FOIR is an indicative planning assumption, not an approval rule. Lender policy can differ by income type, bureau, product and profile.
Balance Transfer Savings
Compare your current loan cost against a lower indicative rate.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
INDICATIVE NET SAVINGS
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Current estimated EMI—
New estimated EMI—
Gross repayment saving—
Less estimated charges—
A transfer decision should also consider foreclosure rules, processing fees, documentation charges and the remaining tenure.
Transfer Decision Matrix
Measure EMI relief, interest delta, charges and break-even—not rate alone.
Monthly EMI change—
Interest difference—
Charge break-even—
Net modeled benefit—
Net benefit retained after charges
Rate gap: —Decision signal
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Prepayment Impact
See how a lump-sum prepayment may reduce interest or EMI.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
POTENTIAL INTEREST SAVING*
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Current EMI—
EMI if tenure unchanged—
Approx. tenure if EMI unchanged—
Principal after prepayment—
*Simplified scenario assuming prepayment is applied immediately and the EMI remains unchanged for the tenure-reduction estimate.
Prepayment Strategy Lab
Compare cash-flow relief with tenure compression from the same lump sum.
Principal prepaid—
EMI reduction option—
Tenure saved option—
Modeled interest saved—
Principal reduction
Balance after prepayment: —Strategy view
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OD / CC Interest
Estimate interest on the amount actually utilized for a chosen number of days.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
INDICATIVE INTEREST FOR PERIOD
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Approx. interest per day—
Principal + period interest—
Annual rate used—
This is a simple daily-interest estimate. Actual OD/CC calculations can depend on daily closing balances, drawing power, penal interest and lender-specific methods.
Utilisation Cost Timeline
Translate annual OD/CC pricing into daily, 30-day, 90-day and annualised cost views.
1 day—
30 days—
90 days—
365 days—
Selected utilisation window
Annual rate modeled: —Cost signal
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Debt Consolidation
Model one consolidated loan against multiple existing monthly payments.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
INDICATIVE MONTHLY RELIEF
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New estimated EMI—
New total repayment—
New total interest—
Lower monthly outflow may come from a longer tenure and can increase total cost. Compare both EMI and total repayment before deciding.
Consolidation Cash-flow Map
See monthly relief and the new repayment cost in the same decision frame.
Current monthly outflow—
Modeled new EMI—
Monthly relief—
Outflow reduction—
Monthly cash-flow relief
Modeled new interest: —Trade-off signal
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Flat vs Reducing Rate
Compare how flat-rate interest can differ from reducing-balance repayment.
Indicative planning tool only. Actual eligibility, pricing, fees and approval depend on the lender's assessment.
DIFFERENCE IN TOTAL REPAYMENT
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Flat-rate monthly installment—
Reducing-rate EMI—
Flat-rate total interest—
Reducing-rate total interest—
A flat percentage and a reducing-balance percentage are not directly comparable. Always compare total repayment and the lender’s disclosed APR/charges where available.
Rate Reality Comparator
Put flat and reducing structures on a common repayment-cost view.
Flat total repayment—
Reducing total repayment—
Total repayment gap—
Flat interest load / year—
Installment comparison
Flat: — · Reducing: —Pricing signal
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