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  • Deprecated function: Creation of dynamic property Drupal\tablefield\TableValue::$value is deprecated in Drupal\Core\TypedData\TypedData->setValue() (line 102 of core/lib/Drupal/Core/TypedData/TypedData.php).
    Drupal\Core\TypedData\TypedData->setValue(NULL, ) (Line: 87)
Drupal\Core\TypedData\Plugin\DataType\Map->setValue(Array, ) (Line: 125)
Drupal\Core\Field\FieldItemBase->setValue(Array, ) (Line: 206)
Drupal\tablefield\Plugin\Field\FieldType\TablefieldItem->setValue(Array, ) (Line: 208)
Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 0, Array) (Line: 91)
Drupal\Core\Field\FieldTypePluginManager->createFieldItem(Object, 0, Array) (Line: 41)
Drupal\Core\Field\FieldItemList->createItem(0, Array) (Line: 69)
Drupal\Core\TypedData\Plugin\DataType\ItemList->setValue(Array, ) (Line: 107)
Drupal\Core\Field\FieldItemList->setValue(Array, ) (Line: 208)
Drupal\Core\TypedData\TypedDataManager->getPropertyInstance(Object, 'field_calc_table', Array) (Line: 83)
Drupal\Core\Field\FieldTypePluginManager->createFieldItemList(Object, 'field_calc_table', Array) (Line: 633)
Drupal\Core\Entity\ContentEntityBase->getTranslatedField('field_calc_table', 'x-default') (Line: 597)
Drupal\Core\Entity\ContentEntityBase->get('field_calc_table') (Line: 325)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
  • Deprecated function: Creation of dynamic property Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::$ModuleHandler is deprecated in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct() (line 57 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
    Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->__construct('tablefield', Array, Object, Array, 'hidden', 'default', Array, Object, Object) (Line: 64)
Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter::create(Object, Array, 'tablefield', Array) (Line: 64)
Drupal\Core\Field\FormatterPluginManager->createInstance('tablefield', Array) (Line: 126)
Drupal\Core\Field\FormatterPluginManager->getInstance(Array) (Line: 205)
Drupal\Core\Entity\Entity\EntityViewDisplay->getRenderer('field_calc_table') (Line: 241)
Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)
  • Warning: Undefined array key "caption" in Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements() (line 150 of modules/contrib/tablefield/src/Plugin/Field/FieldFormatter/TablefieldFormatter.php).
    Drupal\tablefield\Plugin\Field\FieldFormatter\TablefieldFormatter->viewElements(Object, 'en') (Line: 91)
Drupal\Core\Field\FormatterBase->view(Object, 'en') (Line: 268)
Drupal\Core\Entity\Entity\EntityViewDisplay->buildMultiple(Array) (Line: 339)
Drupal\Core\Entity\EntityViewBuilder->buildComponents(Array, Array, Array, 'default') (Line: 281)
Drupal\Core\Entity\EntityViewBuilder->buildMultiple(Array) (Line: 18)
Drupal\paragraphs\ParagraphViewBuilder->buildMultiple(Array) (Line: 238)
Drupal\Core\Entity\EntityViewBuilder->build(Array)
call_user_func_array(Array, Array) (Line: 111)
Drupal\Core\Render\Renderer->doTrustedCallback(Array, Array, 'Render #pre_render callbacks must be methods of a class that implements \Drupal\Core\Security\TrustedCallbackInterface or be an anonymous function. The callback was %s. See https://www.drupal.org/node/2966725', 'exception', 'Drupal\Core\Render\Element\RenderCallbackInterface') (Line: 859)
Drupal\Core\Render\Renderer->doCallback('#pre_render', Array, Array) (Line: 421)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 68)
__TwigTemplate_291debf4453c7ba2e34da4fa4cd83699->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('themes/techprosolutions/templates/field/field.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('field', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array) (Line: 475)
Drupal\Core\Template\TwigExtension->escapeFilter(Object, Array, 'html', NULL, 1) (Line: 111)
__TwigTemplate_ff95cc8dbd011c21d5f5e7f83f8118b4->doDisplay(Array, Array) (Line: 394)
Twig\Template->displayWithErrorHandling(Array, Array) (Line: 367)
Twig\Template->display(Array) (Line: 379)
Twig\Template->render(Array) (Line: 38)
Twig\TemplateWrapper->render(Array) (Line: 39)
twig_render_template('modules/custom/easytax_calculators/templates/ecp-calculator-page.html.twig', Array) (Line: 348)
Drupal\Core\Theme\ThemeManager->render('ecp_calculator_page', Array) (Line: 480)
Drupal\Core\Render\Renderer->doRender(Array, ) (Line: 240)
Drupal\Core\Render\Renderer->render(Array, ) (Line: 238)
Drupal\Core\Render\MainContent\HtmlRenderer->Drupal\Core\Render\MainContent\{closure}() (Line: 627)
Drupal\Core\Render\Renderer->executeInRenderContext(Object, Object) (Line: 231)
Drupal\Core\Render\MainContent\HtmlRenderer->prepare(Array, Object, Object) (Line: 128)
Drupal\Core\Render\MainContent\HtmlRenderer->renderResponse(Array, Object, Object) (Line: 90)
Drupal\Core\EventSubscriber\MainContentViewSubscriber->onViewRenderArray(Object, 'kernel.view', Object)
call_user_func(Array, Object, 'kernel.view', Object) (Line: 111)
Drupal\Component\EventDispatcher\ContainerAwareEventDispatcher->dispatch(Object, 'kernel.view') (Line: 186)
Symfony\Component\HttpKernel\HttpKernel->handleRaw(Object, 1) (Line: 76)
Symfony\Component\HttpKernel\HttpKernel->handle(Object, 1, 1) (Line: 58)
Drupal\Core\StackMiddleware\Session->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\KernelPreHandle->handle(Object, 1, 1) (Line: 28)
Drupal\Core\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 32)
Drupal\big_pipe\StackMiddleware\ContentLength->handle(Object, 1, 1) (Line: 191)
Drupal\page_cache\StackMiddleware\PageCache->fetch(Object, 1, 1) (Line: 128)
Drupal\page_cache\StackMiddleware\PageCache->lookup(Object, 1, 1) (Line: 82)
Drupal\page_cache\StackMiddleware\PageCache->handle(Object, 1, 1) (Line: 48)
Drupal\Core\StackMiddleware\ReverseProxyMiddleware->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\NegotiationMiddleware->handle(Object, 1, 1) (Line: 36)
Drupal\Core\StackMiddleware\AjaxPageState->handle(Object, 1, 1) (Line: 51)
Drupal\Core\StackMiddleware\StackedHttpKernel->handle(Object, 1, 1) (Line: 704)
Drupal\Core\DrupalKernel->handle(Object) (Line: 21)

Loan Prepayment Calculator

See what a one-time lumpsum prepayment saves when you keep paying the same EMI — the loan closes months earlier and the skipped interest is yours (tenure-reduction mode).

Keep the EMI, cut the years

A lumpsum prepayment does not have to change your monthly budget. In tenure-reduction mode — what this calculator models — you keep paying the same EMI after the lumpsum, and the loan simply ends sooner. Every EMI that no longer needs paying is interest you never owe.

Enter your loan, a one-time prepayment amount, and when you will make it; the calculator shows the unchanged EMI, the new (shorter) tenure, the months saved, and the interest saved — often a multiple of the lumpsum itself on a long home loan.

How the saving is computed

Interest saved = Original total interest − Interest after prepayment

  • EMI — computed once from the original loan (standard reducing-balance formula) and never changes: this is the tenure-reduction convention
  • Lumpsum — applied to the outstanding balance immediately after your chosen EMI number (for example, right after the 24th instalment)
  • New tenure — the amortisation is then simulated month by month, interest accruing on each month's opening balance, until the balance reaches zero; the final instalment is a partial payment that closes the loan exactly
  • Interest saved — the original schedule's total interest minus the prepaid schedule's

A lumpsum larger than the balance closes the loan in the prepayment month, and a prepayment timed after the loan would already have ended simply changes nothing — the tool never shows negative savings.

How to use this calculator

  1. Enter the loan amount — ₹1 lakh to ₹10 crore. For a running loan, enter the current outstanding balance and the remaining tenure.
  2. Set the interest rate (5–20% p.a.) and the loan tenure (1 to 30 years).
  3. Enter the one-time prepayment — ₹10,000 to ₹1 crore.
  4. Choose when you will prepay: after 12, 24, 36 or 60 EMIs.
  5. Read the results: the unchanged EMI, the new tenure in months, the months saved, and the original, new and saved interest — the doughnut shows the saved slice of the original interest bill.

A worked example

₹30,00,000 at 8.5% p.a. for 20 years, prepaying ₹5,00,000 after 24 EMIs:

  • Monthly EMI: ₹26,034.70 — unchanged before and after
  • Tenure: 240 months → 172 months, closing 68 months (5 years 8 months) early
  • Total interest: ₹32,48,327.28 → ₹19,57,868.83
  • Interest saved: ₹12,90,458.45 — over two and a half times the lumpsum

The saving is large because the ₹5 lakh wipes out principal that would otherwise have accrued 8.5% interest for another 18 years.

The same ₹5 lakh lumpsum, timed differently

Prepay after Loan closes in Months saved Interest saved
12 EMIs (1 year) 167 months 73 ₹14,13,746
24 EMIs (2 years) 172 months 68 ₹12,90,458
36 EMIs (3 years) 176 months 64 ₹11,73,423
60 EMIs (5 years) 185 months 55 ₹9,57,614

Base loan: ₹30,00,000 at 8.5% for 20 years, EMI held constant. The earlier the lumpsum lands, the more interest it kills — waiting from year 1 to year 5 forfeits about ₹4.56 lakh of savings. Figures from the same engine as the widget.

Prepayment questions, answered

Tenure reduction versus EMI reduction, foreclosure charges, timing and the prepay-or-invest call.