Loan Strategy Simulator
Compare prepayment, refinancing and tenure-reduction strategies side by side — and see exactly how much interest each one saves.
What this tool does
Test prepayment, refinance and tenure strategies before you commit.
The Loan Strategy Simulator lets you model your home, car or personal loan under multiple repayment strategies in parallel — extra EMI, lumpsum prepayment, balance transfer, tenure reduction. It quantifies interest saved, tenure cut, and the opportunity cost of locking funds into prepayment instead of investing.
Key benefits
What you get out of it
How it works
Three steps from input to action
Load your loan
Outstanding principal, interest rate, remaining tenure, EMI.
Pick strategies to compare
Extra EMI, annual lumpsum, balance transfer, tenure cut — any combination.
Review the verdict
Side-by-side savings, break-even charts, and the strategy with the best risk-adjusted outcome.
Why this tool is valuable
A decision-support system, not just a calculator
Pricing
Choose the option that best fits your financial planning needs
Three monthly plans. Cancel any time. Start with a single tool or unlock everything.
Single Tool Access
₹299/month
Access to Loan Strategy Simulator only.
- Access to this one tool
- All scenario outputs & charts
- Cancel any time
All Simulators
₹799/month
Full access to all 5 investment simulators.
- All 5 simulators included
- Scenario comparisons & export
- Cancel any time
Pro · Sims + AI Tools
₹1,499/month
Full access to all 5 simulators & all 5 AI tools.
- All 10 premium tools included
- AI-driven personalised plans
- Priority feature updates
- Cancel any time
All prices in INR, billed monthly via Razorpay. International billing via Stripe coming soon.
Ready to use Loan Strategy Simulator?
Pick the plan that fits your needs and get instant access. Every output is built to lead to a clear next action.