Prepayment Calculator
How much interest does a lump-sum prepayment save? How many years shorter does it make your loan? Enter your loan info and instantly compare shorten-term vs. lower-payment options.
⏩ Prepayment Calculator
Calculate how much interest you save and how much shorter your loan becomes
Current balance: NT$ 8,738,175
📊 Prepayment Benefit Comparison
| Original | Shorten Term | Lower Payment | |
|---|---|---|---|
| Monthly Payment | NT$ 37,464 | NT$ 37,464 | NT$ 33,177 |
| Term (months) | 25.0 yr | 21.4 yr | 25.0 yr |
| Total Interest | NT$ 3,487,047 | NT$ 2,876,094 | NT$ 3,200,828 |
| Interest Saved | — | 🎉 NT$ 610,953 | 🎉 NT$ 286,219 |
📈 Remaining Balance Comparison
💡 Extra Monthly Payment
How many years earlier can you pay off with extra monthly payments?
Which Option Should You Choose?
Shorten Term
Same monthly payment, fewer months. Maximum interest savings. Best for stable income earners who want to pay off faster.
Lower Payment
Same term, less monthly pressure. Slightly less interest saved. Best if you need monthly cash flow flexibility.
⚠️ Disclaimer: Calculator uses equal payment (fixed monthly) basis. For educational purposes only. Actual terms, prepayment penalties, and interest calculations depend on your bank contract. Consult your bank or financial advisor before making financial decisions.