Master Your Home Loan
Calculate EMI, Simulate Prepayments, and Save Lakhs in Interest.
Why NestSaver?
Banks love long tenures because they make more money. We help you become debt-free faster.
Our Mission: To help Indians save ₹1000 Crores in interest.
₹8.5L+
Average Interest Saved per User
Where are you in your journey?
Planning to Buy
Calculate affordability and plan your dream home budget.
- check_circleCalculate exact EMI & affordability
- check_circleUnderstand loan eligibility criteria
- check_circleLearn tax benefits & savings
Already Have a Loan
Optimize your existing loan to save interest and close it early.
- check_circleTrack your loan health score
- check_circleGet AI-powered prepayment strategies
- check_circleCompare refinancing opportunities
How NestSaver Helps
1. Free Calculator
Calculate EMI, simulate prepayments
2. Smart Insights
Get loan health score
3. AI Strategy
Personalized plans
4. Support
Track progress, alerts
Understanding Home Loans in India
A home loan is a significant financial commitment that most Indians will make at some point in their lives. With loan tenures typically spanning 15 to 30 years and amounts ranging from ₹20 lakhs to several crores, understanding how home loans work is essential for making informed decisions.
Key Factors That Affect Your EMI
- Principal Amount: The total loan amount you borrow. A higher principal means higher EMIs.
- Interest Rate: Currently ranging from 8.25% to 9.5% for most borrowers. Even a 0.5% difference can mean lakhs saved over the loan tenure.
- Loan Tenure: Longer tenures reduce EMI but significantly increase total interest paid. A 20-year loan pays nearly double the interest of a 10-year loan.
The Power of Early Prepayment
Most borrowers don't realize that making prepayments in the early years of a loan has a disproportionately large impact on total interest savings. This is because home loans are "front-loaded" with interest—in the first 5 years, up to 70% of your EMI goes toward interest, not principal.
By prepaying even ₹50,000-₹1,00,000 annually in the first few years, you can potentially save ₹5-10 lakhs in total interest and reduce your loan tenure by 3-5 years. Our simulator above helps you visualize exactly how much you can save with your specific loan details.
Trusted by Indians Nationwide
10,000+
Active Users
₹850Cr+
Loans Optimized
4.8★
User Rating
"NestSaver helped me save ₹12 lakhs in interest by showing me the right prepayment strategy. I'll be debt-free 8 years earlier!"
— Rahul M., Bangalore
"As a first-time buyer, I was confused about EMI affordability. The calculator gave me complete clarity before I applied."
— Priya S., Mumbai
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Start your journey to becoming debt-free today