EMI Comparison Calculator
Compare two EMI scenarios side by side. Change loan amount, interest rate or tenure and see how much total interest and time you can save by choosing a better option.
Scenario A (Current / Bank 1)
EMI: ₹ 10,442Loan amount
Interest rate9.50%
Tenure15 years (180 months)
Scenario B (Negotiated / Bank 2)
EMI: ₹ 11,101Loan amount
Interest rate8.50%
Tenure12 years (144 months)
Scenario A
EMI: ₹ 10,442
Interest: ₹ 8,79,604
Duration: 180 months
Scenario B
EMI: ₹ 11,101
Interest: ₹ 5,98,480
Duration: 144 months
Potential savings
Interest saved:
₹ 2,81,124
Time saved: 36 months
Positive numbers mean Scenario B is better than Scenario A.
Outstanding balance comparison
Two lines show how quickly each loan is getting repaid. The steeper line closes faster.
Tip: Use Scenario A as your current bank offer and Scenario B as a lower rate or shorter tenure to see how much interest you can save.