EMI Calculator — Loan Planner

Geek App Lab

About this app

The smartest EMI & loan calculator for India — now with AI-powered financial coaching and side-by-side loan comparison.

Whether you're planning a home loan, car loan, personal loan, or any other borrowing, EMI Calculator gives you the numbers and the strategy to make confident financial decisions.

Calculate in seconds

✦ EMI calculator — enter loan amount, rate & tenure to get your exact monthly installment instantly.
✦ Loan tenure planner — know exactly how long it will take to clear your debt.
✦ Interest rate finder — reverse-calculate the effective annual rate from any loan offer.
✦ Principal estimator — find the maximum loan you can afford based on a target EMI.

Works for: home loans, car loans, personal loans, bike loans, gold loans, property loans, mortgage loans.

Compare loans side by side

Not all loans are equal. Our loan comparison tool lets you place two loans next to each other and see exactly how they differ — before you sign anything.

✦ Flat rate vs reducing balance — understand the real cost difference between loan structures.
✦ Side-by-side EMI, total interest & tenure — see which loan truly costs less.
✦ Custom amortization table — switch between viewing just EMI, just interest, just tenure, or the full breakdown for each loan.
✦ Works across loan types — compare a home loan against a personal loan, or two different bank offers.

Meet FinAssist AI

Our built-in AI coach goes beyond numbers. It analyses your income, existing loans, and assets to give personalised guidance — not generic advice.

✦ Debt-to-income (DTI) ratio check
✦ AI-powered loan comparison insights
✦ Borrowing power analysis
✦ Financial health audit in plain language

Professional reports

✦ Amortization schedule — see exactly how much goes to principal vs interest every month.
✦ Annual breakdown — plan your finances year by year.
✦ One-tap PDF export — share bank-ready reports with advisors or lenders instantly.
✦ Visual graphs — understand your loan journey at a glance.

Sync & history

✦ Calculation history — every EMI you calculate is saved automatically.
✦ Cloud sync — access your loans across all your devices.
✦ Start anonymously, upgrade to Google Sign-In anytime — no data lost.

Built for India

✦ Hindi language support
✦ Indian & international number formats (lakhs, crores)
✦ Multi-currency support
✦ Offline-first — works without internet

EMI Calculator isn't just a calculator — it's your complete loan planning toolkit. Calculate, compare, and take control of your finances today.

Download free. Start calculating in seconds.

What’s new

New Features
• AI-powered FinAssist — get smart, personalised financial suggestions based on your usage
• Custom EMI Reports — generate detailed amortisation reports with your name, organisation, and custom branding in header, footer, and front page
• Calculation History — your past EMI calculations are now saved automatically
• Save & Sync — access your calculations across all devices
• Prepayment Calculator — plan part-payments and see how they reduce your loan tenure and overall interest