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EMI & amortization planner
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Home Loan Dashboard

EMI calculator, prepayment, mutual fund SIP & stress ratio

₹50L · 20yr · 8.5%
Monthly EMI
—
Fixed for loan tenure
Total Interest
—
Over 20 years
Total Payment
—
Principal + Interest
Loan Calculator
Adjust sliders or type values directly to update all figures instantly
Loan Parameters
Loan Amount
Interest Rate (%)
%
Tenure (years)
yrs
Prepayment
None
Lump Sum
Monthly
Mutual Fund SIP Parallel Investment
Invest a SIP alongside your EMI. When fund value ≥ balance, foreclose early.
Off
Enable SIP

Prepayment Impact

Interest saved—
Prepayment charges—
Net savings—
New tenure / months saved—

Mutual Fund SIP Analysis

Monthly SIP—
Expected CAGR—
Fund value at loan maturity—
Loan clears when fund value ≥ outstanding—
Months saved vs. full tenure—
Outstanding Balance vs SIP Fund Value
Loan balance SIP fund value Net principal (bal − fund) No prepayment
Yearly Principal vs Interest
Principal Interest
Amortization Schedule
Monthly breakdown
Year / Mo.EMIPrincipalInterestPrepaymentBalanceSIP FundNet Principal
Payment Split
How your money is distributed
Total
—
Principal—
Interest—
EMI Stress Ratio Income Analysis
Monthly EMI
—
Total Interest
—
SIP Fund Value
—
Enter your monthly income to see how much of it goes toward EMI. Ideally EMI should be under 40% of income (FOIR guideline).
Monthly Income
₹
₹10K₹5L
Stress Score
EMI / Income —
Enter income above
● <30% Safe ● 30–40% Caution ● >40% High