💸 Lump Sum Repayment Calculator
See exactly how much interest and time you save by making a one-off lump sum payment on your loan. Compare different amounts, timing options and view the year-by-year impact.
📝 Your Loan Details
Current Loan
Lump Sum Payment
📊 Your Results
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Enter your loan details and click Calculate Savings to see how much you’ll save.
Total Interest Saved
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Before vs After Lump Sum
Without Lump Sum
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With Lump Sum
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Loan Balance—
Lump Sum Amount—
New Balance—
Regular Repayment—
Interest Saved—
Time Saved—
New Loan End Date—
Return on Lump Sum—
Different Lump Sum Amounts
| Lump Sum | Interest Saved | Time Saved | Return |
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Year-by-Year Balance
| Year | Opening | Repayments | Interest | Closing |
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💡 Maximising the Impact of a Lump Sum
⏰ Earlier is Better
A lump sum applied early in the loan saves significantly more interest than the same amount paid later.
🎁 Use Windfalls Wisely
Bonuses, tax refunds, inheritance or sale proceeds can dramatically reduce your loan faster.
📋 Check Restrictions
Fixed-rate loans may have prepayment limits or break fees. Confirm with your lender first.
📊 Keep Repayment Same
Keeping the same repayment after a lump sum usually gives the biggest interest saving and shortest term.
⚠️ Disclaimer: This calculator is for illustrative purposes only and does not constitute financial advice. Always confirm prepayment rules and fees with your lender.
Want to Save Even More?
A lower interest rate combined with a lump sum saves the most.