EMI Mitra – Loan & Tax Calc

Kuldeep Chotiya

About this app

🤝 EMI Mitra — Your Trusted Indian Personal Finance Calculator

EMI Mitra is a free, privacy-first super-app that bundles every calculator and tracker an Indian household needs — loans, EMIs, mutual funds, post-office schemes, deposits, insurance, GST and Income Tax (Old vs New regime, FY 2025-26). No signup. No SMS permission. 100% on-device.

🏦 LOAN & EMI TOOLS
• Loan EMI Calculator — monthly EMI, total interest, full amortization schedule
• Home Loan EMI with 2025-26 indicative rates (SBI, HDFC, ICICI, Axis, LIC, BoB, PNB)
• Car, Bike, Personal & Education loan EMI calculators
• Loan Compare — see which of two offers is cheaper, side-by-side
• Prepayment & part-payment impact calculator
• EMI tracker — auto-pay logging, never miss a due date

📈 MUTUAL FUND & INVESTMENT TOOLS
• SIP Calculator — future value with wealth-gain breakdown and yearly chart
• Step-up SIP — model increasing SIP amounts every year
• SWP Calculator — plan retirement withdrawals
• Lumpsum Calculator — one-time investment FV
• Goal Calculator — find the SIP needed to reach any goal
• CAGR & XIRR helpers

🏛 BANK & POST OFFICE SCHEMES
• Fixed Deposit (FD) — annual, half-yearly, quarterly, monthly compounding
• Recurring Deposit (RD) maturity calculator
• PPF — 15-year compounding, yearly or monthly deposits at 7.1%
• NSC — 5-year compound at 7.7%
• Sukanya Samriddhi (SSY) — girl-child scheme at 8.2%
• Senior Citizen Saving Scheme (SCSS) — quarterly payout at 8.2%
• Kisan Vikas Patra (KVP) — money-doubling tool
• MIS (Monthly Income Scheme) calculator

🧾 INDIAN INCOME TAX CALCULATOR (FY 2025-26 / AY 2026-27)
• Side-by-side comparison of OLD vs NEW regime
• New regime slabs: 0% (₹0–4L), 5%, 10%, 15%, 20%, 25%, 30% (₹24L+)
• ₹75,000 standard deduction (new) / ₹50,000 (old)
• Section 87A rebate up to ₹12L taxable + marginal relief
• 80C, 80D, 80CCD(1B), home loan interest 24(b), HRA, surcharge, 4% cess
• Tells you exactly which regime saves more — and by how much

🧾 GST CALCULATOR
• Add or remove GST at 5%, 12%, 18%, 28%
• Inclusive ↔ exclusive conversion in one tap

🛡 GOVT INSURANCE INFO
• PMJJBY (Jeevan Jyoti Bima) — ₹436 premium, ₹2L cover
• PMSBY (Suraksha Bima) — ₹20 premium, ₹2L accidental cover

🌐 PERSONAL FINANCE TRACKERS
• Dashboard — month-wise credit / debit / net with category bars
• Corpus & Goals — log every PPF / SIP / FD installment with auto-pay
• Net Worth — assets minus liabilities snapshot
• Transactions — manual entry + JSON export / import
• Cash counter, age calculator, compound interest, amount-to-words (Indian format)

📥 PASTE SMS TO IMPORT TRANSACTIONS
Copy any bank or UPI SMS and paste it into EMI Mitra — we parse the debit/credit/EMI on your device and add it to your dashboard. No SMS permission ever requested.

🔒 PRIVACY-FIRST DESIGN
• ZERO SMS permissions
• ZERO account creation — open and start using
• ALL data stays in your phone's local storage
• Export your data as JSON anytime, delete with one tap

⚡ TINY, FAST, OFFLINE
• App shell ~35 KB gzipped — opens in under a second on 2G
• Works fully offline after first launch
• Auto light/dark theme

🇮🇳 BUILT FOR INDIA
• Indian rupee formatting (Lakh / Crore)
• Supports SMS formats of HDFC, SBI, ICICI, Axis, Kotak, PNB, IDFC, Indian Bank, UPI apps
• Indian govt schemes with current 2025-26 rates

❤️ WHY USERS LOVE EMI MITRA
• Clean, ad-free interface — no clutter, no upsells, no fake "instant loan" buttons
• Accurate maths verified against bank calculators
• Works on 2G, low-end phones, and offline
• Built and maintained by an Indian developer who replies to feedback

NOT A LENDING APP. EMI Mitra is a CALCULATOR and TRACKER only — we do not provide loans, do not sell financial products, and do not take commissions.

Built with ❤️ in India by Kuldeep Chotiya.

What’s new

🎉 Welcome to the first official release of EMI Mitra!

Take control of your loans with powerful yet simple tools:
• 💰 Accurate EMI calculations
• 📊 Detailed repayment & interest analysis
• 📅 Complete amortization schedule
• 💸 Part-payment savings calculator
• ⚖️ Compare multiple loan options
• ⚡ Fast, reliable & easy-to-use experience

Thank you for choosing EMI Mitra! More exciting features and improvements are on the way.