Early Repayment Calculator
Choose a scenario: shorten term or reduce payment — see how much you save
Loan parameters
Early repayments
Base loan
Base overpayment
12 253 792 UZS
Base term
24 mo.
Base payment
2 593 908 UZS
Total early payments
5 000 000 UZS
Shorten term
BetterNew term
22mo.
↓ 2 mo. less
Interest savings
+1 948 514 UZS
Total interest paid
10 305 278 UZS
Payment stays the same
2 593 908 UZS
Reduce payment
New payment
2 385 990 UZS
↓ 207 918 UZS cheaper
Interest savings
+1 336 432 UZS
Total interest paid
10 917 360 UZS
Term stays the same
23 mo.
Payment Schedule
| Mo. | Date | Payment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Jul 2026 | 2 593 908 UZS | 1 677 241 UZS | 916 667 UZS | 48 322 759 UZS |
| 2 | Aug 2026 | 2 593 908 UZS | 1 707 991 UZS | 885 917 UZS | 46 614 768 UZS |
| 3 | Sep 2026 | 2 593 908 UZS | 1 739 304 UZS | 854 604 UZS | 44 875 464 UZS |
| 4 | Oct 2026 | 2 593 908 UZS | 1 771 191 UZS | 822 717 UZS | 43 104 273 UZS |
| 5 | Nov 2026 | 2 593 908 UZS | 1 803 663 UZS | 790 245 UZS | 41 300 610 UZS |
| 6 | Dec 2026 | 2 593 908 UZS | 1 928 397 UZS | 665 511 UZS | 34 372 213 UZS |
| 7 | Jan 2027 | 2 593 908 UZS | 1 963 751 UZS | 630 157 UZS | 32 408 462 UZS |
| 8 | Mar 2027 | 2 593 908 UZS | 1 999 753 UZS | 594 155 UZS | 30 408 709 UZS |
| 9 | Mar 2027 | 2 593 908 UZS | 2 036 415 UZS | 557 493 UZS | 28 372 294 UZS |
| 10 | Apr 2027 | 2 593 908 UZS | 2 073 749 UZS | 520 159 UZS | 26 298 545 UZS |
| 11 | May 2027 | 2 593 908 UZS | 2 111 768 UZS | 482 140 UZS | 24 186 777 UZS |
| 12 | Jun 2027 | 2 593 908 UZS | 2 150 484 UZS | 443 424 UZS | 22 036 293 UZS |
How early repayment works
When you pay more than the required monthly payment, the bank reduces the remaining debt. After that you can choose: shorten the loan term (payment stays the same) or reduce the monthly payment (term stays the same).
Shortening the term is usually more beneficial — you repay the debt faster and accumulate less interest. But if the budget is tight, reducing the payment provides extra breathing room each month.