Loan simulator — plan part payments and EMI changes on your actual calendar
Simulate your loan. Plan your debt-free date.
Enter your loan details, then add part payments or EMI increases to any specific month. See exactly how much interest you save and when you'll make your last EMI.
Loan Details
₹
₹0₹25L₹50L₹1Cr₹5Cr₹10Cr₹20Cr
%
0%5%10%15%
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yrs
151015202530
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Your loan summary
Loan EMI
₹65,087
Total Interest
₹81,20,818
Debt-Free Date
Mar 2046
20 yrs remaining
Total Payment
₹1,56,20,818
⚠
You'll pay ₹81,20,818 in interest. A ₹5L part payment in year 3 could save ₹12L+ and cut 2+ years off your tenure.
Amortization Table
Reduce
Reducing EMI lowers your monthly outflow. Better if cash flow is tight.
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Feb 2046loan fully paid
01
Enter your loan
Loan amount, interest rate, and tenure. Takes 30 seconds.
02
See your debt-free date
Know exactly when your last EMI is — down to the month.
03
Simulate part payments
See how a ₹5L part payment saves years and lakhs in interest.
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Why borrowers choose LastEMI
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No phone number needed
We never ask for your mobile number. No DSA will call you. Ever.
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RBI-accurate calculations
Zero prepayment penalty on floating rate home loans — the RBI rule banks forget to mention.
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We don't earn from recommending loans. The math is the math.