Debt‑Free Planner (EMI, Prepayment, Savings)
Current outstanding balance (₹)
Annual interest rate (%)
Current monthly EMI (₹)
Start date
Monthly income (₹)
Monthly expenses (₹)
One‑time prepayment (₹)
Apply one‑time at month #
Additional monthly prepayment (₹)
Extra monthly begins at month #
After prepayment, adjust
Reduce tenure (keep EMI)
Reduce EMI (keep base payoff date)
Prepayment is applied at the start of the specified month; “Reduce EMI” targets the base case payoff date for a fair comparison.
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Download Base CSV
Download Prepay CSV
Base (no prepayment)
With prepayment
Comparison chart
Base
With prepayment
Show first 24 rows (base)
Show first 24 rows (prepayment)