Debt Optimization

Home Loan Prepayment & Refinance Planner

Evaluate interest-saving payoffs by executing regular prepayments or refinancing your outstanding principal balance under lower interest rates.

Mortgage Parameters

Principal Outstanding (INR)₹50,00,000

Interest Rate (% APR)8.5%

Tenure Remaining (Years)20 Years

Prepayment Settings

Prepayment Schedule

Prepayment Amount (₹)

Start Prepayments from Year

Refinancing Offer

Refinance Rate (% APR)

Upfront Fees (₹)

Option A: Prepayment Outcomes

Standard EMI

₹0

Fixed Monthly

Prepaid Interest Saved

₹0

Over Lifecycle

Prepaid Tenure Saved

0 Years

Payoff Term Cut

Option B: Refinancing Outcomes

New Refinance EMI

₹0

-₹0 / Mo

Net Refinance Saved

₹0

Net of Fees

Breakeven Point

No Saving

To Cover Fees

Amortization Reduction Curves

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<iframe src="https://alphafinancehub.app/tools/loan-prepayment?embed=true" width="100%" height="750" style="border:none; border-radius:12px; background:#0b0f19;"></iframe>

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