01
Where you are today
ExistingCurrent loan
₹
₹10K₹2.5Cr
% p.a.
months
Balance Transfer Break-Even Calculator
Compare your current loan with a new offer and see how rate savings, fees and tenure changes affect the transfer.
Loan switching analysis
Know your break-even before you switch.
Enter the figures from your current loan and the new lender's offer. The calculator compares both repayment paths month by month instead of relying only on a simple EMI difference.
Rate difference1.50 pp
Tenure difference0 mo
Switching cost₹23,600
Your comparison
Enter the loan details
Use the numbers shown in your current statement and the new lender's offer.
02
What the new lender offers
NewNew loan offer
% p.a.
months
↘
Enter the actual offer
Use the lender's quoted rate and tenure. A lower rate is only one part of the comparison.
03
What you pay to move
Actual chargesSwitching costs
Total switching cost₹23,600
+
Optional verification
Loan & prepayment details
Check the lender document
Enter the actual prepayment charge shown by your lender. Do not assume an RBI waiver without checking the applicable loan details.
✓
Private by design
Calculations run in your browser. No phone number or personal account details are required.
Calculating…Comparing the two loan scenarios.
The key number
Total-cost break-even
Enter valid loan details to calculate the break-even point.
Gross interest saving₹0
Monthly EMI difference₹0
Current remaining interest₹0
New loan interest₹0
—total-cost break-even
Current loan₹0monthly EMI
0%Rate0 moRemaining
VS
New offer₹0monthly EMI
0%Rate0 moTenure
Share of current remaining interest avoided.
Difference between the two payment paths.
Scheduled payment difference before switching costs.
01 · Composition
LiveInterest impact
How much current remaining interest is replaced by the new loan.
0%interest saved
New loan interest₹0
Gross interest saving₹0
Switching costs₹0
02 · Recovery curve
Month by monthCumulative benefit
Shows the economic position after payments, switching costs and the remaining loan balance are considered.
Calculating chart…
Cumulative benefitBreak-even line
03 · Cost vs benefit
Interest saving vs switching cost
04 · Milestones
Break-even timeline
What each number means
Gross interest saving compares remaining interest under the current loan with interest under the new loan.
Net saving subtracts switching costs from the gross saving.
Total-cost break-even accounts for payment differences and the remaining loan balance, so a longer new tenure is not mistaken for a true saving.
Calculator guide
How to use the Balance Transfer Break-Even Calculator
Start with the outstanding balance and remaining tenure on your current lender statement. Then enter the new lender's actual rate and proposed tenure. Finally, add documented switching charges.
Enter current loan
Use the latest outstanding balance, rate and months remaining.
Add new offer
Use the rate and tenure exactly as quoted by the new lender.
Include real costs
Add prepayment, processing, GST and other documented charges.
Read the recovery point
Total-cost break-even accounts for both payment differences and the remaining loan balance.
Regulatory note: Pre-payment-charge rules depend on the loan's rate type, borrower/purpose, lender and applicable directions. This calculator does not treat every floating-rate loan as automatically fee-free. Verify the charge in your current lender documents.