Loan Prepayment Optimizer is a verified banking & loans calculation tool on Calcify. Calculate exact interest saved and months shaved off your loan by making a part-prepayment. All calculations execute locally in your browser with multi-currency support, visual breakdowns, and white-label client exports.
Loan closes 39 months (3.3 years) earlier!
New_Months = -ln(1 - (Balance - Prepayment) × r / EMI) / ln(1 + r)
Example Inputs: Outstanding Loan Principal: ₹4000000 · Annual Interest Rate: 8.75 % · Remaining Tenure (Months): 180 Months · One-Time Lumpsum Prepayment: ₹500000
Example Output: Net Interest Saved by Prepayment: ₹10,59,140 (Loan closes 39 months (3.3 years) earlier!)
The Loan Prepayment Optimizer on Calcify applies the verified mathematical formula: New_Months = -ln(1 - (Balance - Prepayment) × r / EMI) / ln(1 + r). Every input is validated in real time with multi-currency formatting to ensure zero rounding or division errors.
Keeps your monthly EMI constant after prepayment to maximize tenure reduction and interest savings.
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