See How Smart Moves Destroy Your Interest
Compare base EMI with three strategies: extra EMI yearly, yearly lumpsum prepayment, and step-up EMI. Add a custom strategy and see months & interest saved.
Loan Details
Enter loan details. We'll simulate multiple payback strategies.
Used in the "Lumpsum Every Year" scenario. Can be 0.
Strategy Comparison
See how much interest and time each strategy saves compared to the base plan.
Your Custom Strategy
Mix extra EMIs, yearly lumpsum and step-up EMI to match your real life.
Affordability Check
See if your planned EMI fits comfortably into your monthly cashflow.
Amortization (Base Plan)
Calculate your EMI first to see month-by-month breakdown.
EMI Calculator & Strategy Optimizer — Plan smarter prepayments
TopiKart's EMI Strategy Optimizer compares extra EMI, yearly lumpsum and step-up EMIs so you can see months & interest saved.
How to use this tool
- Enter your loan amount, interest rate and tenure.
- Click Calculate to see base EMI and alternate strategies.
- Try custom strategy mixes to find the best plan for you.
- Download amortization or share the link.
Frequently asked questions
Does this tool upload my data?
No — all calculations run locally in your browser; nothing is uploaded.
Are results accurate?
Results are mathematical simulations based on inputs. Use actual bank statements for final decisions.
Can I export results?
Yes — download the amortization CSV or print the page.
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