Compare the interest saved by repaying early with the fee you pay, then with keeping the money to invest — at the same point in time.
Early-repayment fees depend on the contract and the bank, and are calculated differently — some charge on the remaining balance rather than the amount repaid. Enter your contract’s terms for a closer result.
After repaying early you can keep the term so each payment shrinks, or keep the payment so the loan ends sooner. The tool calculates both under your assumptions.
The tool puts both options side by side at the same point in time: pay early and invest the payments it frees up, or keep the money invested right away. Both run to the end of the loan, and the prepayment fee earns interest to that point too. You see both numbers, not just a one-line verdict.
The balance left today, the months remaining, the rate and interest method; the lump sum you plan to prepay, the penalty and what it is charged on.
What annual return you expect if you invested the money instead of prepaying.
Interest saved, the fee, the net saving, how many months sooner or how much lighter each payment is, and the two end-of-term figures to compare.
One made-up scenario: what the tool returns, and how to read it.
These are illustrative figures, not anyone’s real data. The assumptions are set deliberately high so they match no one’s situation, and are calculated with the app’s own formulas to show how to read the results.
This is not financial advice, nor an offer to lend or invest. To work out your own situation, use the tool in the app.
The two "at term end" rows compare at the SAME point: the end of the 156-month term.
| Figure | No prepayment | Prepay, keep the term | Prepay, keep the payment |
|---|---|---|---|
| First payment | 229,206,699 ₫ | 170,911,354 ₫ | 229,206,699 ₫ |
| Periods left | 156 months | 156 months | 87 months |
| Interest from now on | 18,456,245,084 ₫ | 13,762,171,190 ₫ | 7,012,507,794 ₫ |
| Interest saved | — | 4,694,073,894 ₫ | 11,443,737,289 ₫ |
| Prepayment fee | — | 118,800,000 ₫ | 118,800,000 ₫ |
| Net saving after fee | — | 4,575,273,894 ₫ | 11,324,937,289 ₫ |
| At term end: pay off, invest what frees up | — | 17,037,626,496 ₫ | 20,400,845,031 ₫ |
| At term end: keep the cash invested | — | 14,487,380,958 ₫ | 14,487,380,958 ₫ |
| Higher result in the model | — | Pay off | Pay off |
Swipe sideways to see the whole table.
Interest saved depends on the contract and repayment assumptions; an investment return is only an expectation — it can be lower, zero or negative.
In the app you can change every assumption and see the result update right away.
