See it with a demo household
Demo data — fictional Demo data — fictional example, not a real person. Everything below is calculated live by the same engine your account uses.
Loan burden
All loansTotal outstanding
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Outstanding principal
The amount of the loan you still owe, not counting future interest.
Example: You borrowed ₹20 lakh and have repaid ₹4 lakh of principal, so ₹16 lakh is outstanding.
₹45.33 L
3 active loans
Monthly EMIs
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EMI (Equated Monthly Instalment)
The fixed amount you pay each month. Each EMI is part interest and part principal.
Example: Early in a home loan most of each EMI is interest; later most of it reduces the principal.
₹66,115
Remaining interest
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Remaining interest
The interest you are expected to pay from now until the loan ends, if nothing changes.
₹29.11 L
if nothing changes
Highest remaining interest: Home loan (demo) (₹27.98 L).
This month
Details- Income
- ₹1,53,000
- Expenses
- ₹41,500
- EMIs
- ₹66,115
- Projected surplus
- ₹40,385
- EMIs as share of income
- 43.2%
Upcoming
- Next EMI ₹40,199 · Home loan (demo) on 5 Oct 2026
- Family wedding gift ₹60,000 on 15 Nov 2026
- Goal contribution ₹5,000 · Emergency fund (demo)
Things worth a look
- Cash-flow pressure aheadBased on what you entered, outgoings exceed income in 3 of the next 6 months (Oct 2026, Nov 2026, Jan 2027).
- Request a rate review · Home loan (demo)You pay 8.9% on ₹38,12,000. If your lender agreed to a 0.50% lower rate, keeping the same EMI would shorten the loan.IllustrativeIllustrative interest difference at −0.50% (same EMI): ₹3,28,481
- Ask about prepayment · Home loan (demo)RBI guidelines generally do not permit prepayment charges on floating-rate loans taken by individuals for non-business purposes. Confirm the terms with your lender.IllustrativeIllustrative interest saved by prepaying ₹1,90,000 now (same EMI): ₹4,19,866
- Ask about moving to an external benchmark · Home loan (demo)Your loan is linked to MCLR. Many lenders offer a switch to an external-benchmark (repo-linked) rate — ask whether it's available, the new rate, and any conversion fee.
- Request a rate review · Personal loan (demo)You pay 12.5% on ₹3,18,500. If your lender agreed to a 0.50% lower rate, keeping the same EMI would shorten the loan.IllustrativeIllustrative interest difference at −0.50% (same EMI): ₹3,033
- Ask about prepayment · Personal loan (demo)Prepaying part of the principal reduces the interest you pay. Check your loan agreement for any prepayment charges.IllustrativeIllustrative interest saved by prepaying ₹20,000 now (same EMI): ₹7,609