Home Loans
Should You Prepay Your Home Loan or Invest the Money?
A bonus in hand raises an old question: pay down the loan or invest? A clear way to compare a guaranteed saving with an uncertain return.
Free financial calculators
Smart Financial Calculators for Everyday Decisions
Calcyuncle gives you clear, accurate calculators for loans, EMIs, interest, repayment schedules and personal finance — so you can see the real cost of a decision before you make it.
- Every instalment calculated
- Prepayment savings
- Nothing you enter is stored
Most used
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Popular Calculators
Home Loan EMI Calculator
Monthly EMI, total interest, a full repayment schedule and prepayment savings for your home loan.
Open calculatorPersonal Loan EMI Calculator
EMI, total interest and a month-by-month schedule for unsecured personal loans.
Open calculatorCar Loan EMI Calculator
Plan your vehicle loan: EMI, interest cost and full amortization schedule.
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Borrow with clarity
Loan Calculators
EMI, total interest and a complete month-by-month amortization schedule for every kind of loan — built on one carefully tested engine.
Home Loan EMI Calculator
Monthly EMI, total interest, a full repayment schedule and prepayment savings for your home loan.
Open calculatorPersonal Loan EMI Calculator
EMI, total interest and a month-by-month schedule for unsecured personal loans.
Open calculatorCar Loan EMI Calculator
Plan your vehicle loan: EMI, interest cost and full amortization schedule.
Open calculatorEducation Loan EMI Calculator
EMI, interest and repayment schedule for an education loan once repayment begins.
Open calculatorLoan Repayment Calculator
A complete amortization schedule for any fixed-rate loan, with part payment planning.
Open calculatorLoan Prepayment Calculator
Plan several part payments and compare reduced EMI against reduced tenure.
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Plan ahead
Financial Calculators
Savings, investment and interest tools are on the way. They will use the same accurate, transparent approach as our loan calculators.
Loan Interest Calculator
Total interest cost of any loan at a glance.
Coming soonSimple Interest Calculator
Interest on a principal at a flat rate.
Coming soonCompound Interest Calculator
How money grows when interest earns interest.
Coming soonSIP Calculator
Future value of monthly mutual fund investments.
Coming soonFD Calculator
Maturity value of a fixed deposit.
Coming soonRD Calculator
Maturity value of a recurring deposit.
Coming soonRetirement Calculator
How much you need to save for retirement.
Coming soonInflation Calculator
What today’s money will be worth in the future.
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Featured tool
See exactly how a part payment changes your home loan
Add a lump-sum payment at any month, then choose whether to lower your EMI or finish the loan sooner. Calcyuncle recalculates the loan from that exact month and shows the interest you save.
Try the prepayment planner- Full repayment scheduleEvery month of the tenure, grouped into yearly summaries you can expand.
- Reduce EMI or reduce tenureCompare both options side by side, with months and years saved.
- Download & shareExport the schedule as CSV or share a link with your exact numbers.
Learn
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Latest Financial Guides
Home Loans
What Happens to Your Home Loan When Interest Rates Change
Floating-rate home loans move with the market. See how a rate rise or cut changes your tenure or EMI — and what you can ask your lender for.
Home Loans
Reduce EMI or Reduce Tenure? How to Choose After a Home Loan Prepayment
When you prepay a home loan, your lender asks whether to lower the EMI or shorten the loan. Here is what each option really costs, with worked numbers.
Why Calcyuncle
Why Use Calcyuncle
Accurate, not approximate
Standard reducing-balance maths, every instalment calculated and tested — including zero-interest, very long and prepaid loans.
The whole picture
Not just an EMI: total interest, a yearly and monthly schedule, and how prepayments change the outcome.
Private by design
Calculations run in your browser. We never ask for your name, PAN or bank details.
Fast on any device
Lightweight pages that update instantly as you type, on phones, tablets and desktops.
FAQ
Frequently Asked Questions
Are Calcyuncle calculators free to use?
Yes. Every calculator is free, needs no sign-up and works on any phone, tablet or computer.
How accurate are the EMI and repayment figures?
The loan calculators use the standard monthly reducing-balance method used by most Indian lenders and calculate every single instalment of the tenure. Figures are rounded only for display. Your lender’s numbers can differ slightly because of fees, rounding rules or the date your first EMI falls on.
Is my financial information saved?
No. Calculations happen entirely in your browser. The amounts you type are not sent to our servers or stored.
Is this financial advice?
No. Calcyuncle provides calculators and educational guides to help you understand your options. For decisions about your own loans or investments, speak to a qualified financial adviser or your lender.