EMIGuru

Code Artisan App

Contains ads

About this app

EMIGuru is the only finance calculator you need in India. 29 calculators in one app, designed for Indian rupees, Indian tax rules, and the way Indian families actually borrow, save, and plan.

No sign-up. No login. Works offline. Just open it and start calculating.

━━━━━━━━━━━━━━━━━━━━━━
LOAN CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━

• EMI Calculator — monthly EMI with full amortisation schedule
• Loan Comparison — compare two loan offers side-by-side
• Prepayment — see how much interest you save by paying extra
• Eligibility — find the maximum loan you can get
• Rent vs Buy — long-term cost comparison
• Credit Card EMI — true cost with processing fees and GST
• Gold Loan — pure gold value, LTV-based eligible loan, EMI
• Loan Against Property — eligible LAP amount and EMI

━━━━━━━━━━━━━━━━━━━━━━
INVESTMENT CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━

• SIP — mutual fund SIP returns with year-by-year breakdown
• Step-Up SIP — SIP with annual top-up
• Lump Sum — one-time investment returns
• FD — fixed deposit maturity
• RD — recurring deposit returns
• CAGR — compound annual growth rate
• ROI — return on investment

━━━━━━━━━━━━━━━━━━━━━━
PLANNING CALCULATORS
━━━━━━━━━━━━━━━━━━━━━━

• PPF — provident fund maturity (with current 7.1% rate)
• NPS — National Pension Scheme corpus and pension
• Retirement — corpus needed for retirement
• Goal SIP — SIP needed to reach a specific goal
• FIRE — financial independence, retire early
• Emergency Fund — recommended emergency savings

━━━━━━━━━━━━━━━━━━━━━━
TAX & SALARY
━━━━━━━━━━━━━━━━━━━━━━

• Income Tax — Old vs New regime comparison (FY 2025-26 slabs)
• GST — CGST + SGST breakdown
• HRA — house rent allowance exemption (Metro / Non-Metro)
• Rent Receipt — generate a printable PDF rent receipt
• CTC to In-Hand — full salary breakup
• Gratuity — gratuity payable on exit
• Stamp Duty — state-wise property stamp duty
• Discount — stacked discount calculations

━━━━━━━━━━━━━━━━━━━━━━
WHY EMIGURU
━━━━━━━━━━━━━━━━━━━━━━

✔ Built for India — rupees, Indian tax rules, Indian banking conventions
✔ Truly offline — every calculation runs on your phone, no server, no tracking
✔ Favourites — pin the calculators you use most for one-tap access
✔ Save & compare — bookmark calculations and revisit them later
✔ Share as image — send a branded summary card on WhatsApp
✔ Export PDF — for EMI breakdowns and rent receipts
✔ Dark mode — easy on the eyes
✔ Clean, fast, modern interface
✔ Free, with non-intrusive banner ads

━━━━━━━━━━━━━━━━━━━━━━
WHO IT'S FOR
━━━━━━━━━━━━━━━━━━━━━━

• Buying a home and shopping for a loan
• Starting your SIP or comparing investment options
• Filing income tax — figuring out old vs new regime
• Negotiating a job offer and decoding CTC
• Planning retirement, an emergency fund, or a child's education
• Need a quick rent receipt for your HR

EMIGuru gives you bank-grade math in a phone-grade interface. Calculate with confidence, in seconds.

Made in India.

What’s new

EMIGuru 1.1.0

• Accurate income tax: new & old regime now apply the Section 87A rebate, marginal relief and surcharge.
• Take-home pay fixed to calculate on gross salary, not full CTC.
• Edit your reminders, and reminders now alert you on time.