Optimize: Save on Home Loans Live

Optimize is a home loan prepayment app. Add your loan, see where each EMI goes, then chip away at the principal with small automatic prepayments. Why prepayment works In the early years of a home loan, most of each EMI is interest. Your bank is happy for you to take the full 20 years. You don't have to. Every prepayment cuts principal directly, so every EMI after it does more work on the loan and less on the interest. And on floating-rate home loans in India, prepaying costs nothing: banks cannot charge a penalty. See your loan clearly - Add your home loan with your lender and account number. - Outstanding principal, interest rate, EMI and remaining tenure sit on one screen. - Every EMI shows its split: how much pays interest, how much reduces the loan. Prepay on autopilot - Pick a small daily amount and approve a UPI Autopay mandate once. - Optimize collects it automatically and applies it to your loan as prepayments. - Pause or cancel the mandate anytime, from inside the app. - The app tracks interest saved and months cut as you go. Plan before you commit - Simulate a one-time or recurring prepayment and see what it does to your total interest and closing date. - Set a payoff goal and track progress against it. Private by default - Biometric or MPIN lock. - Your session works only on your registered device. - We encrypt personal and financial data in transit and at rest. - No ads. We never sell your data. Optimize is for anyone in India repaying a home loan who suspects, correctly, that they are paying more interest than they need to. Add your loan and make the first prepayment this week.