VSSMP EMI Calculator Suite — Pro
Compact
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Global Settings
Loan Type / Tab
World Currency
INR — ₹
USD — $
EUR — €
GBP — £
FX = how many
INR
per selected currency. Keep 1 for native currency.
Loan Inputs
Principal
Annual Interest % (nominal)
Tenure
months
years
Mode
Monthly
Bi‑Weekly
Weekly
Fixed vs Floating
Fixed
Floating (reset)
Start Date
Processing Fee / Upfront Cost
Flat
% of Principal
Step‑up / Step‑down EMI % change (yearly)
Rate Shock (± bps over term)
Linearly applied across tenure (or at reset for floating).
Tax (India) — Home Loan
None
80C Principal upto ₹1.5L
24(b) Interest upto ₹2L
80C + 24(b)
Effective tax relief estimation (% slab + cess) — for Home‑Loan tab only.
↺ Reset to Defaults
EMI & Stress Lab
EMI
—
Total Interest
—
Total Cost (P+I+Fees‑Tax)
—
Payoff / Tenure
—
Extra Payment (per period)
Recurring extra towards principal to see payoff acceleration.
One‑Time Prepayment
Enter month number for the lump‑sum (from start).
Compare Refinance
Target rate + switching cost; we compute break‑even.
Scenario Snapshots
Save
Clear
0 saved. Save up to 3 scenarios, compare below.
Prepayment Planner — Quick View
Use
Extra Payment
and
One‑Time Prepayment
above. This shows savings vs baseline (no prepayment).
Interest Saved
—
Tenure Reduced (periods)
—
Refinance Analyzer — Quick View
Set
Target Rate
and
Switching Cost
above. We estimate total benefit and breakeven months.
Refi Benefit
—
Breakeven (months)
—
Amortization Schedule
Show rows
12
60
120
All
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By Period
Yearly Summary
Comparisons & Smart Insights
Flags refinance break‑even, payoff gains from extra/prepayment, and rate‑shock sensitivity.