ZEROLEV
Loan Intelligence
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Monthly EMI
—
Total Interest
Loan Type
🏠 Home
🚗 Car
👤 Personal
🎓 Education
Loan Parameters
Loan Amount
₹50,00,000
₹1L
₹25L
₹2Cr
₹5Cr
Annual Interest Rate
8.5%
4%
10%
18%
30%
Loan Tenure
20 yrs
1y
10y
20y
30y
EMI Frequency
Monthly
Quarterly
Half-Yearly
Advanced Options
Down Payment
0%
0%
10%
30%
50%
Additional Charges
1%
Include Processing Fee
Add one-time processing cost
Prepayment Analysis
Show savings from early payment
Annual Prepayment Amount
₹
⟳ Recalculate Loan
Monthly EMI
—
per month payment
Total Amount Payable
—
principal + interest
Total Interest Paid
—
cost of borrowing
—
Interest % of Total
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Effective Annual Rate
—
Break-Even Month
—
EMI Ratio (₹1L)
Overview
Amortization
Rate Scenarios
Prepayment
Loan Breakdown
Principal vs Total Interest
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Total
Principal
—
Interest
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Outstanding Balance
Remaining principal over time
Principal vs Interest Split per EMI
How each payment is allocated over time
Principal
Interest
📊
Year-wise amortization schedule showing opening balance, EMI paid, interest component, principal repaid, and closing balance.
Annual Amortization Schedule
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Year
Opening Balance
Total EMI Paid
Interest Paid
Principal Repaid
Closing Balance
% Repaid
Rate Scenario Comparison
Same loan amount and tenure across different interest rates
EMI Across Scenarios
Monthly payment sensitivity to rate changes
ℹ️
Enable
Prepayment Analysis
in the left panel and enter an annual prepayment amount to see savings.
ZEROLEV · Loan