Loan Calculator: EMI & APR

Implex Apps

Contains adsIn-app purchases

About this app

Loan Calculator: EMI & APR — a clean and accurate loan calculator for mortgages, auto loans, personal loans, student loans, and credit cards. No sign-ups, no tracking, fully offline.

★ INSTANT EMI CALCULATION
Type your loan amount, interest rate, and term — your monthly payment, total interest, and full amortization schedule appear instantly. No "Calculate" button. Slide, tap, type. Works in real time.

★ EVERY CALCULATOR YOU NEED
• EMI Calculator — for any loan type
• Amortization Schedule — month-by-month breakdown
• Loan Comparison — compare 2-3 offers side by side
• Affordability Calculator — how much can you borrow?
• Early Payoff Calculator — see savings from extra payments
• Refinance Calculator — is refinancing worth it?
• Credit Card Payoff — months to pay off, total interest

★ MORTGAGE & HOME LOAN CALCULATOR
Plan your mortgage with confidence. See how down payment changes your principal, how interest rate moves your monthly payment, and exactly when you start paying more principal than interest.

★ AUTO LOAN CALCULATOR
Compare dealer financing offers in seconds. Type the price, rate, and term — see total cost over the life of the loan.

★ STUDENT LOAN CALCULATOR
Plan repayment, see total interest cost, find break-even on extra payments.

★ CREDIT CARD PAYOFF
Enter your balance, APR, and monthly payment. See exactly how many months to zero — and how much interest you pay along the way. Helpful for evaluating minimum payments.

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

★ AMORTIZATION SCHEDULE
Full month-by-month breakdown with principal, interest, and balance. Visual chart showing how principal grows and interest shrinks. Crossover-month highlight.

★ COMPARE LOANS SIDE BY SIDE
Stack 2 (or 3 with premium) loan offers next to each other. See which is cheaper, by how much, and where the savings come from.

★ 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 — pick yours. Display only, no FX conversion.

★ 5 LANGUAGES
English, Turkish, Arabic (full RTL), Spanish, Portuguese. Auto-detects your device language.

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

★ 100% OFFLINE
Every 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. Calculations stay on your device.

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

WHO USES THIS APP
• Home buyers planning a mortgage
• Car buyers comparing dealer financing
• Students planning repayment
• Anyone with credit card debt
• Real estate agents helping clients
• Financial advisors running quick scenarios

ABOUT THE MATH
We use the standard EMI formula: EMI = P × r × (1+r)^n / ((1+r)^n − 1). Amortization rounding is corrected to land on exactly zero balance at the final payment. Zero-rate loans are handled correctly.

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