---
type: "tool"
title: "Loan Prepayment / Foreclosure Calculator"
description: "Free loan prepayment calculator — see how much interest you save and whether your tenure or EMI drops after a lump-sum prepayment."
resource: "https://www.gstcalculators.in/loan-prepayment-calculator.html"
language: "en"
bundle_generated: "2026-10-12"
---

# Loan Prepayment / Foreclosure Calculator

Free loan prepayment calculator — see how much interest you save and whether your tenure or EMI drops after a lump-sum prepayment.

- Canonical page: [Loan Prepayment / Foreclosure Calculator](https://www.gstcalculators.in/loan-prepayment-calculator.html)
- Publisher: [Tool Master Hub / GSTCalculators.in](../site.md)
- Category: [Tax and Loan Calculators](../categories/taxloan.md)

This is a discovery summary of the public page, not an independently reviewed replacement. Use the canonical page for current inputs, assumptions, formulas, source links and results. The bundle generation date does not mean that tax rules were reviewed on that date.

## Topics on the page



## Questions and answers from the visible page

### Should I reduce my tenure or my EMI after prepayment?

Reducing tenure (keeping EMI the same) saves more total interest, since you clear the loan faster. Reducing EMI helps monthly cash flow but saves less interest overall.

### Are there charges for loan prepayment?

RBI rules exempt individual borrowers from prepayment charges on floating-rate home loans. Fixed-rate loans, and other loan types like personal or car loans, may still carry prepayment penalties — check your loan agreement.

### Is it better to prepay a loan or invest the money?

Compare your loan's interest rate to your expected investment return, after tax. If your loan rate is higher than what you can reliably earn elsewhere, prepaying is usually the safer, guaranteed "return."

## Accuracy and corrections

[Methodology](https://www.gstcalculators.in/methodology.html) · [Editorial policy](https://www.gstcalculators.in/editorial-policy.html) · [Disclaimer](https://www.gstcalculators.in/disclaimer.html) · [Report a problem](https://www.gstcalculators.in/contact.html).