PrepayWise · Calculate. Compare. Plan. Borrow Better.
Free, private loan calculators for Indian borrowers. Work out your EMI, see how much a prepayment saves, compare a refinance offer, or plan backwards from the date you want to be debt-free — every number is computed in your browser and never sent to a server.
Choose your target debt-free date and we solve backwards for the exact monthly prepayment you need.
Open calculator →See the interest and years you save with extra EMIs, lump sums, or an annual EMI step-up.
Open calculator →Work out the monthly instalment for any loan, with a full year-by-year amortisation schedule.
Open calculator →Compare snowball vs avalanche across all your debts and find the fastest, cheapest payoff order.
Open calculator →Check whether switching to a lower rate actually saves money once fees are factored in.
Open calculator →Estimate how much you could borrow based on income, existing EMIs, and a target EMI ratio.
Open calculator →PrepayWise brings together the calculators you need to borrow smarter: a reducing-balance EMI calculator, a home loan prepayment calculator that shows the interest and years you can save, a debt payoff planner comparing the snowball and avalanche methods, a refinance and balance transfer calculator, a loan eligibility calculator, and a goal-based debt-free date planner.
All figures are illustrative estimates for educational and informational purposes only, based on standard amortisation math — not financial advice. Always confirm exact numbers with your bank or a licensed advisor before acting. See our financial disclaimer.
Yes. Every calculator is free, needs no signup, and works on mobile.
No. Every calculation runs entirely in your browser — your numbers are never sent to or stored on a server.
They work for any reducing-balance loan — home, car, personal, and more. Just enter your own amount, interest rate, and tenure.
Use the EMI calculator to find your monthly instalment, the prepayment calculator to see the interest and years a prepayment saves, the refinance / balance transfer calculator to check if a lower rate beats its fees, the debt payoff calculator to order multiple debts, the eligibility calculator for how much you can borrow, and the debt-free date planner to work backwards from a target payoff date.
No. They are illustrative estimates for education only. Always confirm exact figures with your lender before acting.
