Make payments, run the prepayment calculator, and view the schedule

On the Loans list page

• "Make payment" — logs the EMI as an expense against the linked account and advances the next EMI date
• "Prepayment calculator" — opens a dialog to model an extra monthly amount or a lump sum
• Three-dot menu → "Edit loan" — opens the dialog with all fields pre-filled
• Three-dot menu → "Close loan" — confirmation dialog "Close this loan?" → "Close"

Prepayment calculator

1. 1
   Enter "Extra payment per month"

   On top of your current EMI.
2. 2
   Optionally enter "One-time lump sum"

   A one-shot payment toward principal.
3. 3
   Read the savings block

   If the inputs save more than one month, CiviQ shows "Months saved" and "Interest saved" plus a new payoff date.

Loan detail page

Tap a loan name to open /loans/[id]. The page has two tabs: "Repayment schedule" and "Documents".

Repayment schedule tab

• Forward-looking only — paid months are not shown
• Columns: #, Date, EMI, Principal, Interest, Outstanding
• The first row has a green "Next" badge
• Year-summary rows show yearly totals
• Toggle "Show all {N} EMIs" / "Show condensed view" for long schedules

Documents tab

1. 1
   Pick a document type

   Welcome Letter, Sanction Letter, Disbursement Letter, Monthly Statement, Prepayment Receipt, Closure Letter, NOC, Insurance Policy, Property Document, or Other.
2. 2
   Enter an optional label

   Placeholder "e.g. SBI Sanction Letter, Jun 2023".
3. 3
   Tap "Choose file to upload"

   PDF, JPG, PNG, HEIC, or Word; max 20 MB.

Right panel on detail page

• "Loan stats" — outstanding, EMI, interest rate, payoff date, EMIs remaining, total interest left
• "Next EMI breakdown" — principal vs interest split for the next EMI; tap "EMI paid · log {amount}" to record it
• "Reconcile with statement" — tap "Update outstanding" if floating-rate drift or a missed entry has thrown the simulation off
• "Prepayment calculator" — same as the list-page dialog, inline on this page