Alpha Calc — Elite Financial Calculator

Alpha Calc

Elite Financial Calculator

Pro Edition

Car Loan

Business

Professional Loan

LAP

Loan Parameters

Principal Amount ?

Interest Rate (% p.a.) ?

Loan Tenure (Months) ?

Principal vs. Interest Split

Principal Interest

Key Metrics Summary

Monthly EMI

₹21,700

Interest Payable

₹27,08,000

Total Outgo

₹52,08,000

Principal Amount ?

₹25,00,000

Annual Amortization Projection

Principal Interest

Amortization Ledger

Period	Opening Balance	Principal Paid	Interest Paid	Ending Balance

Generates a professional breakdown report and detailed amortization ledger for the client proposal.

Current Loan (Existing Lender)

Overall Sanctioned Loan Amount ?

Outstanding Balance ?

Existing Interest Rate (% p.a.) ?

Remaining Term (Months) ?

Current Monthly EMI ?

Foreclosure Charges? ?

Foreclosure penalty (% + 18% GST)

Base penalty (4% of ₹5,00,000): ₹20,000 + GST 18%: ₹3,600 = Total Cost: ₹23,600

Proposed Offer (New Lender)

Proposed Interest Rate (% p.a.) ?

Proposed Tenure (Months)

Processing Fee (Flat ₹) ?

Proposed Monthly EMI ₹0

💰 Wealth Accelerator: Reinvest Savings

By switching lenders, you reduce monthly EMI. Reinvesting this difference into a mutual fund SIP builds a compounding wealth corpus and can pay off your debt early.

Monthly SIP Amount

Expected Return *

SIP Tenure

Adjust for Inflation (5% p.a.)

*Conditions Apply: Mutual fund investments are subject to market risks, read all scheme related documents carefully. The 12% p.a. expected return is purely illustrative and not a guaranteed return.

Invested

—

Wealth Gain

—

Future Value

—

Debt-Free Crossover ?

—

SIP Horizon Performance Matrix

Horizon	Invested	Cons. (6%)	Bal. (12%)	Aggr. (18%)

EMI Comparison Summary

Current EMI

—

Proposed EMI

—

EMI Savings

—

Interest Optimization Projection

Cost of Debt Optimization

Current Rate

12.00%

Blended Rate

8.05%

Rate drop

3.95%

Annual interest saving on outstanding principal

Full cash benefit breakdown

Expected Interest Outgo (Existing Lender)—

Proposed Interest (BT Same Term)—

Gross Interest Savings (Refinanced Portion)—

Proposed Blended Interest Outgo—

Foreclosure penalty (GST 18% incl.) ? —

Processing Fee ?—

Net Interest Savings (After Costs) ?—

Total Net Financial Benefit ?—

Balance Transfer savings represent interest saved on the current outstanding balance over the existing remaining term, net of transition costs.