Smart Finance Utility
Smart Personal Loan Calculator 
Calculate EMIs, analyze part-payments, and export your debt-free 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: Logic Engine
Standard Reducing ()
Repayment Amortization Ledger
| Month | Principal | Interest | Balance |
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OTechy Personal Loan Master is a high-authority financial utility for the debt management landscape. It provides a comprehensive analysis of monthly EMI liabilities using standardized reducing balance math, accounting for both recurring prepayments and lump sum part-payments to generate 100% accurate debt-freedom roadmaps.
How to Plan Your Loan Repayment
- 1 Enter Loan Details: Input your principal, interest rate, and tenure. Live commas help verify accuracy.
- 2 Simulate Savings: Add an "Extra Monthly" amount or specific "Lump Sum" months to see your interest cost drop.
- 3 Export Strategy: Check the "Savings Insight" and click "Save PDF" to download your complete schedule.
Repayment FAQs
Lump Sum vs Monthly Extra? Mathematically, paying a lump sum as early as possible saves the most interest compared to spreading it out.
Is my data stored? No. OTechy tools are client-side only. Your financial data is processed in your browser and never uploaded.
Does this work for Home Loans? Yes, the reducing balance amortization logic is the same for all major credit facilities.
Does export to PDF work? It provides a standard document to cross-verify bank statements or compare lender quotes.