Your bank shows you an EMI. Never how much you still owe.
Amortimize keeps the real ledger of your loan. Log every prepayment, EMI step-up and rate reset, and it reconstructs the true outstanding balance your bank is holding — and how many years and rupees of interest your next move takes off the finish line.
An illustration — your own figures come from the terms and changes you log.
Enter the original terms
Principal, rate, tenure and start month — the loan as it began, not today's balance.
Log what actually happened
Each prepayment, EMI step-up, rate reset and top-up. This is your ledger — the record your bank never hands you.
See the true balance & your next move
The real outstanding, the interest you've saved so far, and what one more move would do.
When you prepay, most banks quietly lower your EMI and keep the tenure. Keeping the EMI and cutting the tenure instead attacks compounding hardest — often several lakhs more saved over the life of the loan. Amortimize shows both, side by side, every time.