Home Loan Prepayment Calculator

See what a lump-sum prepayment does to a home loan: either finish years earlier at the same EMI, or drop the EMI and keep the term — and how much interest each choice saves.

Loan amount (PKR)

Annual rate (%)

Original tenure (years)

Prepayment amount (PKR)

Prepayment made after (months)

Use the prepayment to

Current monthly EMI

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Balance right after prepayment

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New tenure (or new EMI in EMI mode)

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Interest without prepayment

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Interest saved

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How it works

EMI = P × i × (1+i)ⁿ / ((1+i)ⁿ − 1). The calculator simulates the loan month by month: interest accrues on the balance, the EMI pays it down, and at your chosen month the lump sum comes straight off the principal. Early money saves the most interest because it kills principal that would otherwise accrue interest for years. Check your loan agreement for prepayment penalties before paying.

More free tools: Financial Calculators hub — car finance, loan vs invest, Apna Ghar and more.

Estimates only — not financial advice. Rates, slabs and prices change; confirm live figures with your bank, broker or the FBR before acting. Calculations run in your browser; nothing is uploaded.