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subhuti
@_unfiltered_heart_

Your Loan Details

Enter your current home loan details to get your personalised freedom plan.

₹5L₹50,00,000₹2Cr
5%8.5%20%
5 yrs20 yrs30 yrs
Your Standard Monthly EMI
₹0
💡 Without any changes, you'll pay ₹0 in total interest over 0 years.

Your 3 Freedom Strategies

✦ Wealth Saved

Each strategy has a default setting — but you can tweak the numbers to match your own capacity. Results update instantly.

Strategy 1
Prepayment

The Extra EMI

💡 How it works: Once a year, you pay one extra EMI as a direct principal prepayment — on top of your regular EMIs. This reduces your outstanding balance faster, cutting both tenure and interest.

When to do it: Bonus month, tax refund, or any windfall. Even one extra EMI a year makes a huge difference over 20 years.

= paying 1 extra EMI as lump-sum every year

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New tenure
Calculating…
Faster than original—
Strategy 2
Step-Up

The Annual Step-Up

💡 How it works: Every year, you increase your monthly EMI by a fixed percentage. As your salary grows, your EMI grows with it — channelling more money into principal repayment.

Why 7.5%? It mirrors the average annual salary increment in India. But if you get 10–12% hikes, you can set it higher. Even 5% makes a big impact.
%
1% (Conservative)25% (Aggressive)

Your EMI grows by 7.5% every year — like your salary

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New tenure
Calculating…
Faster than original—
⚡ Strategy 3
Hybrid

The Hybrid Power

💡 How it works: Combines both strategies — you increase your EMI annually and make an extra lump-sum prepayment once a year. Double attack on your principal.

This is the most powerful. The tenure reduction here is dramatically better than either strategy alone. Best suited if you're disciplined about saving.
%
—
New tenure
Calculating…
Faster than original—

Years to Complete Freedom

Fewer bars = faster freedom = more wealth in your hands

Original Strategy 1 Strategy 2 Strategy 3

Full Comparison Breakdown

Every rupee saved is wealth that stays with your family.

Strategy Tenure Total Interest Interest Saved
💰 Your Wealth Insight

Calculate above to see your personalised insight.

Best strategy saves you
—
— years earlier

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Created by @_unfiltered_heart_ — subhuti
Calculations are illustrative. Consult a financial advisor for personalised advice.