Loan simulator — plan part payments and EMI changes on your actual calendar
EMI Calculator — Simulate Part Payments, Find Your Debt-Free Date
Home loan, personal loan, car loan. Add part payments to any specific month and see exactly how much interest you save. Free — no phone number required.
Loan Details
Loan type
₹
₹0₹25L₹50L₹1Cr₹5Cr₹10Cr₹20Cr
%
0%5%10%15%
Switch to months for more granular control
yrs
151015202530
✓No phone number required
✓No spam calls, ever
✓No lead generation
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.
Group by
Year
Total Payment (A+B)
Outstanding Balance
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
No phone number needed
We never ask for your mobile number. No DSA will call you. Ever.
RBI-accurate calculations
Zero prepayment penalty on floating rate home loans — the RBI rule banks forget to mention.
No commissions, no bias
We don't earn from recommending loans. The math is the math.