EMI Calculator & SIP Planner

Geek App Lab

About this app

Plan your loans. Grow your investments. All in one app.

EMI Calculator & SIP Planner gives you the complete picture — from calculating your monthly loan instalment to projecting your mutual fund wealth — with AI-powered guidance built in.

- LOAN CALCULATORS -

✦ EMI Calculator — enter loan amount, interest rate & tenure to get your exact monthly instalment instantly
✦ Tenure Planner — find out how long it takes to clear any debt
✦ Interest Rate Finder — reverse-calculate the effective annual rate from any loan offer
✦ Principal Estimator — find the maximum loan you can afford for a target EMI

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

- INVESTMENT PLANNERS -

✦ SIP Calculator — project future wealth from monthly mutual fund investments, with step-up SIP support
✦ Lumpsum Calculator — see how a one-time investment grows over time
✦ SWP Calculator — plan systematic withdrawals from your retirement corpus
✦ FD Calculator — Calculate Fixed Deposit maturity amount, interest earned and returns based on tenure and interest rate.
✦ RD Calculator — Estimate Recurring Deposit maturity value, monthly savings growth and total interest earned.

- COMPARE LOANS SIDE BY SIDE -

Not all loans are equal. The loan comparison tool places two loans next to each other so you see exactly how they differ — before you sign anything.

✦ Flat rate vs reducing balance — understand the real cost difference
✦ Side-by-side EMI, total interest & tenure
✦ Custom amortisation table — switch between EMI, interest, tenure or full breakdown
✦ Works across loan types — compare two different bank offers or two loan types

- FINASSIST AI -

The built-in AI financial coach goes beyond numbers. It analyses your income, existing loans and assets to give personalised guidance.

✦ Debt-to-income ratio check
✦ AI-powered loan comparison insights
✦ Borrowing power analysis
✦ Personalised investment advice based on your financial profile
✦ Financial health audit in plain language

- PROFESSIONAL REPORTS -

✦ Amortisation 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
✦ Visual graphs — understand your loan journey at a glance

- SYNC & HISTORY -

✦ Calculation history — every EMI and SIP calculation saved automatically
✦ Cloud sync — access your loans and investments across all devices
✦ Start as a guest, sign in with Google anytime — no data lost

- BUILT FOR INDIA -

✦ Hindi language support
✦ Indian number formats — lakhs and crores
✦ Multi-currency support
✦ Offline-first — works without internet

EMI Calculator & SIP Planner is your complete financial toolkit for borrowing smarter and investing better.

What’s new

New Features
• XIRR Calculator — calculate the annualised return on investments with irregular cash flows
• RD Calculator — estimate recurring deposit maturity value
• FD Calculator — calculate fixed deposit maturity amount