Smart Finance Utility
Universal Home Loan Calculator 
Plan your mortgage, analyze part-payments, and export your repayment roadmap.
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LUMP SUM PAYMENTS (OPTIONAL)
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Base EMI
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Total Interest
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Total Cost
System Status: High-Precision Metric Engine
Reducing Logic ()
Loan Amortization Schedule
| Month | Principal | Interest | Balance |
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OTechy Home Loan Master is a high-authority financial utility for the mortgage landscape. Utilizing a standardized reducing balance algorithm, it provides real-time EMI figures, evaluates the massive interest-saving impact of part-payments, and generates 100% accurate debt-reduction roadmaps for global property buyers.
How to Plan Your Mortgage
- 1 Enter Loan Details: Input your principal amount and the annual interest rate. Live commas help verify accuracy instantly.
- 2 Simulate Part-Payments: Add an "Extra Monthly" amount or a "Lump Sum" at a specific month to see your "Freedom Date" jump closer.
- 3 Export Strategy: Check the "Savings Insight" and click "Save PDF" to download your complete 2026 schedule.
Why Reducing Balance Interest Matters in
In a reducing balance loan, interest is calculated only on the remaining principal. Every extra dollar or rupee you pay today directly lowers the principal, meaning you pay significantly less interest over the next 20–30 years.
Mortgage FAQs
What is the 20/4/10 rule? A common car/home rule: 20% down, 4-year tenure, and EMI not exceeding 10% of income.
Does this include taxes? No, this tool calculates pure financial repayment. Property taxes and insurance should be calculated separately.
Can I use this for any currency? Yes. The mathematical reducing balance logic is 100% universal for any currency.
Is my data safe? Yes. All OTechy financial utilities are client-side only. Your details never leave your browser.