Prepayly
Updated for the 2025 RBI Directions

Pay off your home loan smarter

Free, no-login calculators that show your real interest saved — and since floating-rate home-loan prepayment is penalty-free under RBI rules, there's nothing standing between you and the savings.

Prepayment Calculator →

Lump sum or monthly extra. Compare reduce EMI vs reduce tenure side by side.

Foreclosure (2026 rule) →

Penalty-free on floating-rate home loans. See your total interest saved.

Balance Transfer →

Net savings after fees, plus the break-even month.

Prepay vs SIP →

Should your surplus clear the loan or grow in the market? Find out.

Pick your next step

Run the numbers on your loan — prepay, foreclose, transfer, or invest — with the free calculators above. No login, nothing stored.

Start with the prepayment calculator →

The RBI rule every borrower should know

Floating-rate home loans for individuals have long been free of prepayment and foreclosure penalties under RBI rules. The RBI (Pre-payment Charges on Loans) Directions, 2025 — effective 1 January 2026 — consolidate these rules and extend the same protection to floating-rate business loans for individuals and MSEs. Part or full, any source of funds, no lock-in. So there's no penalty standing between you and prepaying your home loan. Full explainer →

How to use these tools

  1. Got a lump sum or monthly surplus? Start with the prepayment calculator.
  2. Ready to clear it entirely? The foreclosure calculator shows your saving (₹0 charges on floating loans).
  3. Paying a high rate? Check a balance transfer.
  4. Torn between debt and investing? Run prepay vs SIP.

All calculators run in your browser; we don't store your numbers. General information, not financial advice.