Payoff workspace
Make every extra rupee work harder.
Prioritize debts based on their complete cost, then see how additional monthly payments affect the payoff timeline.
Recommended payoff order
Highest true cost first.
Selected debt
QuickCash Finance
Personal loan · Current balance ₹1,85,000
Advertised APR
18.5%
True APR
27.8%
Base monthly payment
₹11,240
Extra payment simulator
Estimate how quickly this balance could be cleared with a recurring top-up.
With an extra ₹3,000 each month, this simple balance estimate reaches zero in about 13 months. Actual interest and lender charges can change the result.
Before you close a loan early
Ask for a foreclosure quote, including GST, in writing. A lower balance is not always a lower total cost when exit penalties apply.
Use this priority as a guide, not a mandate
Keep every account current first. Then direct surplus funds to the highest true-cost debt while considering cash-flow needs and any lender-specific terms.