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Balance Transfer Calculator
Move loan to lower rate • English + Telugu

Estimate interest saved and breakeven when moving your loan to another lender. రుణాన్ని కొత్త రేట్కు మార్చిన ప్రజ్ఞానాన్ని ఇక్కడ చూడండి.

Note: This is an estimate. Actual bank fees, taxes, and rounding may differ. ఫలితాలు అంచనా మాత్రమే.

Results • ఫలితాలు

Current vs After-transfer comparison, interest saved, total cost and breakeven months. ప్రస్తుతం vs బదిలీ తర్వాత తేడా.

Current EMI & remaining interest • ప్రస్తుత EMI & మిగిలిన వడ్డీ
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Total remaining payment (no transfer) • మొత్తం చెల్లింపు (బదిలీ లేకుండా)
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Includes principal + interest remaining
Transfer fees (₹) • బదిలీ ఫీజు మొత్తం
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Fee percent + processing fee
After-transfer: New EMI / New tenure • కొత్త EMI / కొత్త కాలం
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Shows based on chosen option
Total cost with transfer • బదిలీతో మొత్తం ఖర్చు
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Includes fees (paid now or financed) + future EMIs
Interest saved (₹) • పొదుపు
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Difference in future interest
Breakeven (months) • బ్రేక్ ఈవెన్
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Months until interest savings cover fees
Press Calculate to see results. లెక్కించడానికి Calculate నొక్కండి.

Explanation • వివరణ

How it works:
  • EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1), r = monthly rate, n = months.
  • Remaining interest computed by simulating amortization over remaining months.
  • Fees can be paid upfront or added to loan — if added, they increase principal and affect new EMI.
  • Breakeven months: months until cumulative interest savings ≥ fees (if paid now).

How to use — Balance Transfer Calculator

Quick step-by-step guide in English + Telugu — సులభమైన సూచనలు
1

Enter outstanding principal • మిగిలిన principal నమోదు చేయండి

Put the remaining loan amount (example: ₹4,00,000). ఇది మీ బ్యాంక్ వద్ద ఇప్పటికున్న బాకీ రూ.

2

Provide current rate & remaining tenure • ప్రస్తుత రేట్ & కాలం

Enter current annual interest and years left. If you know EMI, you may enter it optionally. EMI తెలియనిపక్షం rate+tenure ఆధారంగా వుంటుంది.

3

Enter offer rate & fees • ఆఫర్ రేట్ & ఫీజులు ఎంటర్ చేయండి

Fill the transfer rate, percent fee and processing fee. Choose whether fees are paid now or added to the loan.

4

Choose post-transfer action • బదిలీ తర్వాత ఏం చేయాలనుకుంటున్నారో ఎంచుకోండి

Options: Reduce EMI (same tenure), Reduce Tenure (same EMI), or set a Custom Tenure. ప్రతి ఎంపికకు ఫలితం వేరే విధంగా వస్తుంది.

Quick formulas & notes • ముఖ్య గణితం
EMI: EMI = P × r × (1+r)^n / ((1+r)^n − 1) (r = monthly rate, n = months).
Fees: Fee_amt = outstanding × (fee%) + processing fee. If added to loan, principal increases.
Breakeven: Months until cumulative interest savings ≥ upfront fees.

Example • ఉదాహరణ: Outstanding ₹4,00,000 @9% with 12 yrs left. Offer 7% + 0.5% fee + ₹500 processing → choose Reduce Tenure to see months cut & interest saved.

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