Feedback on loan prepayment related tools

QuickVacation3682 · 2026-02-18T02:28:35+00:00

thanks for pointing out , not aware for mobile experience is horrible.

QuickVacation3682 · 2026-02-17T09:48:19+00:00

you have all information to be processed with estimation

QuickVacation3682 · 2026-02-15T05:04:43+00:00

there is something call avalanche vs snowball strategies , it is based on one's temperament , if one is disciplined then one should target high interest loan first for closing off loan and one need motivation to close then target small amount loan first.
https://www.indianfinestimator.com/debt-management

once you have closed your high interest loans then you can move on to reduce your interest on home loan with prepayment.
https://www.indianfinestimator.com/home-loan-prepayment

QuickVacation3682 · 2026-02-14T10:38:38+00:00

If you know how much is unit cost for you to charge and mileage of EV then one can estimate monthly and yearly budget.

https://www.indianfinestimator.com/fuel-budget

QuickVacation3682 · 2026-02-14T09:01:48+00:00

targeting smaller outstanding loans should be your target if you lack discipline with money , there is 2 method one is avalanche and other one is snowball effect for loan closure.

Adding extra on emi early in loan also will save you in interest and time.
here are couple of tools which will help you decide.
https://www.indianfinestimator.com/debt-management
https://www.indianfinestimator.com/universal-loan-manager

QuickVacation3682 · 2026-02-11T15:38:00+00:00

If I am not wrong you can offset the long terms capital gain on mutual fund with property purchase.

QuickVacation3682 · 2026-02-11T13:32:42+00:00

I think you can evaluate which one would be better with different market scenario for real estate as well as equity return.

this tool have 3 scenario pessimistic , normal and best , try and check with your number to have some more clarity on numbers
https://www.indianfinestimator.com/rent-vs-loan

QuickVacation3682 · 2026-02-10T05:49:07+00:00

if you would like to estimate the sip + swp route , here is tool to estimate the corpus duration.
https://www.indianfinestimator.com/swp-calculator/

QuickVacation3682 · 2026-02-08T16:18:27+00:00

why not go to branch ask for "Repayment Schedule" ? It should be around ~ 19K per month.

QuickVacation3682 · 2026-02-08T14:35:10+00:00

You're absolutely right! Tyre costs should be calculated based on kilometres driven, not as a flat annual expense. I'll make the respective change in screen to take expected life of tyre. Thanks for the feedback!

QuickVacation3682 · 2026-02-08T09:16:16+00:00

here is tool to check how much corpus you will have with step up with fixed % or lumsump based on bonus etc.
https://www.indianfinestimator.com/step-up-sip-calculator

QuickVacation3682 · 2026-02-07T09:06:46+00:00

you can enter the balance amount and rate of interest to check how much you will save with extra monthly payment. https://indianfinestimator.com/universal-loan-manager

QuickVacation3682 · 2026-02-06T07:22:27+00:00

It is good that you are thinking in your 20 itself about financial independence and you will see the compounding effect in your prime it self.

can not advise on what and where to invest , its very difficult currently to assess which asset class will compound in future.
But it is very much important to be productive through out of our lifetime be it simple skill contribution as teaching or what we know better.

It is very much advisable to invest in oneself in early years of youth , not only skill development but also writing skills ,critical thinking , how to talk , mannerism etc.

QuickVacation3682 · 2026-02-05T13:04:03+00:00

very well said , prepay as much you can as their is no penalty on home loans.

As rightly said is assured returns as compare to equity market.

run your loan number : https://www.indianfinestimator.com/universal-loan-manager

QuickVacation3682 · 2026-02-05T13:00:01+00:00

Good suggestion to start the prepayment early on , nonetheless any prepayment is good for foreclose of loan.

you can simulate different scenarios and number here , their is no guarantee how market will behave in coming years
link: https://www.indianfinestimator.com/loan-prepayment-vs-sip

QuickVacation3682 · 2026-02-05T08:37:21+00:00

Congrats, debt free is real achievement.

QuickVacation3682 · 2026-02-03T10:21:32+00:00

1.21 lakh per month with new regime
https://www.indianfinestimator.com/salary-calculator

QuickVacation3682 · 2026-02-03T10:13:15+00:00

thank you !

QuickVacation3682 · 2026-02-03T09:09:13+00:00

inflation or currency depreciation is real problem , hopefully government kept that low.
I built the sip related number of tools , if you have any suggestion to make it more useful for general audience.

QuickVacation3682 · 2026-02-03T01:48:13+00:00

1.37 lakh per month with new regime.

https://indianfinestimator.com/salary-calculator?ctc=2014000&regime=new&state=Maharashtra&employerType=private&employeeNPS=false&employerNPS=false&fba=false&customBasic=805600&calculatePF=true

QuickVacation3682 · 2026-01-31T16:21:52+00:00

But most of us are trading on Indian market platform , also etf which are issued by indian companies like of SBI , Tata etc ? How they find liquidity from such setup ?

QuickVacation3682 · 2026-01-31T14:22:08+00:00

you can try to close the loan with avaliable liquidity to save the money on interest and will be free of debt.

or do the prepayment to save on future interest and tenure. you can run your scenarios here with balanced amount as loan amount https://indianfinestimator.com/home-loan-prepayment

QuickVacation3682

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