Overdraft Calculator
Use your savings smartly to cut down on interest payments
Loan Amount
₹50,00,000
₹1,00,000₹3,00,00,000
Interest Rate
%8.5
6%20%
Tenure
Yrs15
1 Yr30 Yrs
Current Surplus
₹7,00,000
₹10,000₹50,00,000
Pro Tip
Adding higher surplus can lower your effective interest rate.
Your Effective Interest Rate* 5.69%
ROI saved: 2.81 %Value saved: ₹14,17,190
*This is the actual interest rate you are being charged on your loan
| Loan | Without Surplus | With Surplus | Difference |
|---|---|---|---|
| Tenure | 15 yrs | 11 yrs 5 months | 3 yrs 7 months Total saved |
| EMI | ₹49,237 | ₹49,237 | No Change |
| Interest Amount | ₹38,62,656 | ₹24,45,466 | ₹14,17,190 Total saved |
Get maximum benefits of your surplus savings
buttermoney
Simplifying home financing with transparency, innovation, and customer-first solutions. Empower your journey to homeownership.
TOOLS
CONTACT US
FOLLOW US
Stay connected through our social channels:
'%3e%3cpath%20d='M9%200C4.02948%200%200%204.02948%200%209C0%2013.2206%202.90592%2016.7623%206.82596%2017.735V11.7504H4.97016V9H6.82596V7.81488C6.82596%204.75164%208.21232%203.3318%2011.2198%203.3318C11.79%203.3318%2012.7739%203.44376%2013.1764%203.55536V6.04836C12.964%206.02604%2012.595%206.01488%2012.1367%206.01488C10.661%206.01488%2010.0908%206.57396%2010.0908%208.02728V9H13.0306L12.5255%2011.7504H10.0908V17.9341C14.5472%2017.3959%2018.0004%2013.6015%2018.0004%209C18%204.02948%2013.9705%200%209%200Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_2071_4387'%3e%3crect%20width='18'%20height='18'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
'%3e%3cpath%20d='M9%201.6207C11.4047%201.6207%2011.6895%201.63125%2012.6352%201.67344C13.5141%201.71211%2013.9887%201.85977%2014.3051%201.98281C14.7234%202.14453%2015.0258%202.34141%2015.3387%202.6543C15.6551%202.9707%2015.8484%203.26953%2016.0102%203.68789C16.1332%204.0043%2016.2809%204.48242%2016.3195%205.35781C16.3617%206.30703%2016.3723%206.5918%2016.3723%208.99297C16.3723%2011.3977%2016.3617%2011.6824%2016.3195%2012.6281C16.2809%2013.507%2016.1332%2013.9816%2016.0102%2014.298C15.8484%2014.7164%2015.6516%2015.0187%2015.3387%2015.3316C15.0223%2015.648%2014.7234%2015.8414%2014.3051%2016.0031C13.9887%2016.1262%2013.5105%2016.2738%2012.6352%2016.3125C11.6859%2016.3547%2011.4012%2016.3652%209%2016.3652C6.59531%2016.3652%206.31055%2016.3547%205.36484%2016.3125C4.48594%2016.2738%204.01133%2016.1262%203.69492%2016.0031C3.27656%2015.8414%202.97422%2015.6445%202.66133%2015.3316C2.34492%2015.0152%202.15156%2014.7164%201.98984%2014.298C1.8668%2013.9816%201.71914%2013.5035%201.68047%2012.6281C1.63828%2011.6789%201.62773%2011.3941%201.62773%208.99297C1.62773%206.58828%201.63828%206.30351%201.68047%205.35781C1.71914%204.47891%201.8668%204.0043%201.98984%203.68789C2.15156%203.26953%202.34844%202.96719%202.66133%202.6543C2.97773%202.33789%203.27656%202.14453%203.69492%201.98281C4.01133%201.85977%204.48945%201.71211%205.36484%201.67344C6.31055%201.63125%206.59531%201.6207%209%201.6207ZM9%200C6.55664%200%206.25078%200.0105469%205.29102%200.0527344C4.33477%200.0949219%203.67734%200.249609%203.10781%200.471094C2.51367%200.703125%202.01094%201.00898%201.51172%201.51172C1.00898%202.01094%200.703125%202.51367%200.471094%203.1043C0.249609%203.67734%200.0949219%204.33125%200.0527344%205.2875C0.0105469%206.25078%200%206.55664%200%209C0%2011.4434%200.0105469%2011.7492%200.0527344%2012.709C0.0949219%2013.6652%200.249609%2014.3227%200.471094%2014.8922C0.703125%2015.4863%201.00898%2015.9891%201.51172%2016.4883C2.01094%2016.9875%202.51367%2017.2969%203.1043%2017.5254C3.67734%2017.7469%204.33125%2017.9016%205.2875%2017.9437C6.24727%2017.9859%206.55312%2017.9965%208.99648%2017.9965C11.4398%2017.9965%2011.7457%2017.9859%2012.7055%2017.9437C13.6617%2017.9016%2014.3191%2017.7469%2014.8887%2017.5254C15.4793%2017.2969%2015.982%2016.9875%2016.4813%2016.4883C16.9805%2015.9891%2017.2898%2015.4863%2017.5184%2014.8957C17.7398%2014.3227%2017.8945%2013.6687%2017.9367%2012.7125C17.9789%2011.7527%2017.9895%2011.4469%2017.9895%209.00352C17.9895%206.56016%2017.9789%206.2543%2017.9367%205.29453C17.8945%204.33828%2017.7398%203.68086%2017.5184%203.11133C17.2969%202.51367%2016.991%202.01094%2016.4883%201.51172C15.9891%201.0125%2015.4863%200.703125%2014.8957%200.474609C14.3227%200.253125%2013.6688%200.0984375%2012.7125%200.05625C11.7492%200.0105469%2011.4434%200%209%200Z'%20fill='white'/%3e%3cpath%20d='M9%204.37695C6.44766%204.37695%204.37695%206.44766%204.37695%209C4.37695%2011.5523%206.44766%2013.623%209%2013.623C11.5523%2013.623%2013.623%2011.5523%2013.623%209C13.623%206.44766%2011.5523%204.37695%209%204.37695ZM9%2011.9988C7.34414%2011.9988%206.00117%2010.6559%206.00117%209C6.00117%207.34414%207.34414%206.00117%209%206.00117C10.6559%206.00117%2011.9988%207.34414%2011.9988%209C11.9988%2010.6559%2010.6559%2011.9988%209%2011.9988Z'%20fill='white'/%3e%3cpath%20d='M14.8852%204.19453C14.8852%204.79219%2014.4%205.27383%2013.8059%205.27383C13.2082%205.27383%2012.7266%204.78867%2012.7266%204.19453C12.7266%203.59688%2013.2117%203.11523%2013.8059%203.11523C14.4%203.11523%2014.8852%203.60039%2014.8852%204.19453Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_2071_4391'%3e%3crect%20width='18'%20height='18'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
'%3e%3cpath%20d='M13.2691%208.34265C13.1916%208.30549%2013.1128%208.26972%2013.033%208.23548C12.8941%205.67546%2011.4952%204.20984%209.14643%204.19484C9.13579%204.19478%209.1252%204.19478%209.11456%204.19478C7.70966%204.19478%206.54123%204.79446%205.82206%205.88569L7.11384%206.77183C7.65109%205.95672%208.49424%205.78295%209.11518%205.78295C9.12235%205.78295%209.12955%205.78295%209.13665%205.78302C9.91003%205.78795%2010.4936%206.01281%2010.8713%206.45131C11.1462%206.77056%2011.3301%207.21172%2011.4211%207.76848C10.7354%207.65194%209.99384%207.61611%209.20109%207.66156C6.96794%207.79019%205.53229%209.09262%205.62871%2010.9024C5.67764%2011.8204%206.13497%2012.6101%206.91641%2013.126C7.5771%2013.5622%208.42803%2013.7754%209.3124%2013.7272C10.4803%2013.6631%2011.3965%2013.2175%2012.0357%2012.4028C12.5212%2011.784%2012.8282%2010.9822%2012.9637%209.97181C13.5203%2010.3077%2013.9328%2010.7498%2014.1607%2011.2811C14.548%2012.1844%2014.5706%2013.6687%2013.3595%2014.8789C12.2983%2015.939%2011.0227%2016.3976%209.09502%2016.4118C6.95664%2016.3959%205.33942%2015.7102%204.28795%2014.3735C3.30333%2013.1218%202.79447%2011.3139%202.77549%209C2.79447%206.68604%203.30333%204.87815%204.28795%203.6265C5.33942%202.28983%206.95662%201.60406%209.09499%201.58817C11.2489%201.60418%2012.8943%202.29326%2013.986%203.63637C14.5213%204.29502%2014.9249%205.12333%2015.191%206.08909L16.7048%205.68521C16.3823%204.49646%2015.8748%203.4721%2015.1842%202.62256C13.7846%200.900626%2011.7377%200.0182951%209.10027%200H9.08971C6.45765%200.0182316%204.43363%200.903919%203.0739%202.63243C1.86393%204.1706%201.23979%206.31085%201.21882%208.99367L1.21875%209L1.21882%209.00633C1.23979%2011.6891%201.86393%2013.8294%203.0739%2015.3676C4.43363%2017.0961%206.45765%2017.9818%209.08971%2018H9.10027C11.4403%2017.9838%2013.0897%2017.3711%2014.4486%2016.0135C16.2263%2014.2374%2016.1728%2012.0112%2015.5869%2010.6445C15.1665%209.66441%2014.365%208.86839%2013.2691%208.34265ZM9.2288%2012.1413C8.25005%2012.1964%207.23322%2011.7571%207.18309%2010.8161C7.14593%2010.1184%207.67961%209.33994%209.28886%209.2472C9.47316%209.23657%209.654%209.23137%209.83166%209.23137C10.4162%209.23137%2010.963%209.28816%2011.4602%209.39684C11.2747%2011.7127%2010.1871%2012.0887%209.2288%2012.1413Z'%20fill='white'/%3e%3c/g%3e%3cdefs%3e%3cclipPath%20id='clip0_838_2226'%3e%3crect%20width='18'%20height='18'%20fill='white'/%3e%3c/clipPath%3e%3c/defs%3e%3c/svg%3e)
© 2026 ButterMoney. All Rights Reserved.
Hello! Ask me anything...