Methodology, assumptions, and source references
Auto-updated on Feb 24, 2026Data snapshot: Sep 13, 2025
Inputs used
- Loan amount, annual interest rate, and tenure in months/years
- Prepayment analysis uses outstanding principal and remaining tenure
Formula basis
- EMI = P × r × (1+r)^n / ((1+r)^n - 1)
- Amortization: monthly interest = outstanding × monthly rate
Assumptions and limits
- Interest rate stays constant through the selected tenure
- Prepayment scenarios keep tenure fixed and estimate EMI impact
- Results are planning estimates, not lender-sanctioned repayment schedules