Step 1
Start with the same loan baseline
- Use the same principal, rate and term
- Keep the original payment summary
Start with the same loan principal, rate, start month and term. A consistent baseline makes the comparison meaningful.
This sample uses a three-lakh loan at nine percent over twenty-four months. The planner does not change any saved debt.
Step 2
Set an annual EMI step-up
- Find Acceleration tweaks
- Enter the yearly EMI increase percentage
Use EMI step-up each year to model an annual percentage increase in the scheduled payment. Our example uses five percent.
This is a planned future payment increase, not a change to the interest rate and not permission to debit your account.
Step 3
Read the actual step-up comparison
- Calculate after changing the step-up
- Compare interest and the payoff month
Calculate again. Read the interest savings and estimated payoff month against the same baseline.
This five-percent example saves interest but keeps the same final month. Lower interest does not always mean a shorter term, and neither figure is money already earned.
Step 4
Choose how many prepayments per year
- Enter a count from zero to twelve
- Read the schedule explanation
Prepayments per year sets how often the planner adds an extra repayment. The supported count is zero through twelve.
Our example uses two. Check the actual schedule and your lender's rules rather than assuming these are payments already booked.
Step 5
Use a fixed manual prepayment amount
- Choose the manual amount mode
- Enter the extra amount per occurrence
Manual amount mode uses the extra amount you enter for each planned prepayment. This example uses fifteen thousand rupees.
That is additional to the scheduled EMI. It is not a replacement payment and does not automatically create a ledger transaction.
Step 6
Compare fixed-amount prepayment results
- Recalculate the manual plan
- Review interest, duration and total payment
Recalculate and compare the new interest, duration and total payment with the original loan.
The exact displayed results and every schedule field are checked against the real Core calculator. They are still estimates under the entered assumptions.
Step 7
Use the current EMI as the extra payment
- Choose current-EMI prepayment mode
- Read the automatic amount explanation
Current EMI mode uses the applicable scheduled EMI as the extra payment amount, rather than the manual amount field.
Keep the same prepayment frequency when comparing modes. If your EMI steps up, the modeled extra amount can change with it.
Step 8
Compare the current-EMI plan
- Calculate the current-EMI scenario
- Check whether the extra commitment is affordable
Calculate this scenario separately and compare its payoff estimate and interest with both the baseline and manual plan.
Faster repayment requires the extra cash in the model. Do not treat a favorable estimate as an affordability assessment or a bank offer.
Step 9
Inspect the baseline's monthly rows
- Expand Yearly breakdown
- Swipe sideways for the payment details
This shot uses the original baseline. Expand the real yearly schedule to inspect monthly figures, then swipe sideways to see additional columns.
Review timing as well as totals. The planner's schedule is separate from your actual debt ledger and from dated automatic interest.
Step 10
Keep comparisons and real actions separate
- Check prepayment fees and lender restrictions
- Record only actual transactions in your ledger
Check prepayment charges, rate changes and lender restrictions before acting on any comparison.
Calculating does not save a loan, post interest, make a payment or create a reminder. Keep the model and your real financial records separate.
Step 11
Planner access is separate from cloud AI
- Use the existing planner unlock when needed
- Only a completed reward grants timed access
Planner calculation uses its existing feature access. Regular paid access or active referral ad-free time bypasses the ad gate; otherwise a completed rewarded unlock can grant timed access.