Loan Calculator: EMI & APR

Implex Apps

Contains adsIn-app purchases

About this app

Loan Calculator: EMI & APR — a loan calculator for mortgage, auto loan, student loan, personal loan, and credit card payoff. Calculate monthly EMI, total interest, and the full amortization schedule in seconds. No sign-up, no tracking, fully offline.

INSTANT LOAN CALCULATION
Type your loan amount, interest rate, and loan term — your monthly EMI, total interest, total payment, and full amortization schedule appear instantly. Every slider updates in real time. Tap any value to type a custom amount.

ALL LOAN CALCULATORS IN ONE APP

• EMI Calculator — monthly loan payment for any loan type
• Mortgage Calculator — home loan with down payment, interest rate, and term
• Auto Loan Calculator — vehicle loan with dealer financing
• Student Loan Calculator — repayment plan with total interest
• Personal Loan Calculator — installment loan breakdown
• Business Loan Calculator — commercial loan amortization
• Loan Comparison — compare 2-3 loan offers side by side
• Affordability Calculator — how much loan can I afford?
• Early Payoff Calculator — see how extra payments save interest
• Refinance Calculator — is refinancing this loan worth it?
• Credit Card Payoff Calculator — months to pay off, total interest

MORTGAGE CALCULATOR
Plan your mortgage with clarity. See how a down payment changes the loan principal, how the interest rate moves your monthly mortgage payment, and the crossover month when you start paying more principal than interest. Full month-by-month amortization schedule included.

AUTO LOAN CALCULATOR
Compare dealer financing offers in seconds. Type the vehicle price, interest rate, and loan term — see the total cost of the auto loan.

STUDENT LOAN CALCULATOR
Plan student loan repayment. See the total interest cost over the life of the loan and find the break-even point for extra monthly payments.

CREDIT CARD PAYOFF CALCULATOR
Enter your balance, APR, and monthly payment. See how many months until your credit card balance reaches zero — and the total interest you will pay.

REFINANCE CALCULATOR
Compare your current loan against a new offer including closing costs. See monthly savings, total interest savings, and the break-even month.

AMORTIZATION SCHEDULE
Full month-by-month breakdown with principal, interest, and remaining balance. A visual amortization chart shows how the principal portion grows and the interest portion shrinks across the life of the loan.

LOAN COMPARISON
Stack 2 (or 3 with premium) loan offers side by side. See which loan costs less in monthly EMI, total interest, and total payment.

CHARTS
Donut chart for principal vs interest. Stacked area chart for amortization. Color-coded year-by-year summary. Material 3 design with light and dark themes.

MULTIPLE CURRENCIES
USD, EUR, GBP, AUD, CAD, INR, TRY, BRL, JPY, KRW, SAR, AED, MXN. Display only, no FX conversion.

5 LANGUAGES
English, Turkish, Arabic with full RTL, Spanish, Portuguese. The loan calculator auto-detects your device language.

SAVE AND SHARE
Save loan calculations to local history. Tap to reload. Swipe to delete. Share results as a text summary via WhatsApp, email, or any messaging app. Export the amortization schedule as CSV.

100% OFFLINE
Every loan calculation runs locally on your device. No bank linking. No account. No internet required (except for ad delivery on the free tier).

PRIVACY-FIRST
We do not collect, sell, or share your financial data. Loan calculations stay on your device.

PREMIUM (OPTIONAL)
Remove ads, unlock unlimited saved loan calculations, get the refinance and credit card calculators, export to CSV, and compare 3 loans at once. Monthly, yearly, or one-time lifetime purchase. Pricing is shown live from Google Play in your local currency.

THE MATH
Standard EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1). Amortization is rounded so the final loan balance lands at exactly zero.

Get clarity on your loan. Plan your finances. Loan Calculator: EMI & APR.

What’s new

• Fix for a Google Play Billing crash affecting purchases.
• Stability improvements.