EMI & Home Loan Prepayment Planner (India, ₹ lakh / crore): Excel & Google Sheets

See what prepaying your home, car or personal loan saves, in ₹ lakh and crore. Type into the yellow cells and everything else updates. No macros, nothing locked.

• EMI calculator with amounts shown the Indian way (₹50,00,000 / ₹54.14 lakh / ₹1.04 crore)
• Amortisation schedule for up to 30 years, plus a financial-year (Apr–Mar) principal and interest summary
• Prepayment planner: a one-time lump sum, a fixed monthly extra, or both. Shows interest saved and how much the tenure shortens
• Prepay vs invest: compare paying down the loan with investing at a return and tax rate you choose, with a 4%–16% sensitivity table
• EMI compare: up to 3 loans or offers side by side, with an EMI-to-income check
• 8-page PDF user guide, with sample data in every tab

Works in Microsoft Excel 2016+ / Microsoft 365, Google Sheets and LibreOffice Calc.

This is a planning calculator, not financial, tax or investment advice. Investment returns are not guaranteed. Prepayment rules and charges vary by lender. The planner assumes your EMI stays the same and the tenure gets shorter.

Because this is an instant digital download, all sales are final and we don't offer refunds. If a file doesn't open or a formula looks wrong, use the contact form on the Digital Shelf store page (https://payhip.com/ShelfHive) and we'll fix it or send a corrected file.