NoCost EMI Calc

V1dhun

Contains ads

About this app

Buying on a No-Cost EMI this sale season? It is rarely truly free.

On most Indian credit-card EMIs the bank still charges 18% GST on the interest, plus a processing fee — so you quietly pay a few hundred rupees more than the price you saw. No-Cost EMI Calc shows you that real amount in seconds, before you check out.

Just enter the price, discount, months, interest rate, GST and processing fee. Instantly see:

• Your monthly EMI
• GST on the interest
• Processing fee (with GST)
• The total you actually pay
• How much extra it is versus paying by cash

COMPARE & DECIDE
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Cash vs No-Cost EMI vs Normal EMI, side by side — so you know which one really costs less.

FULL SCHEDULE
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A month-by-month breakdown of EMI, interest and balance that ends at exactly ₹0.00. Save it, or export a clean PDF to keep or share.

BILL REMINDER
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A gentle monthly reminder before your credit-card bill is due — so a "no-cost" deal never turns costly with late fees. Scheduled on your phone; no account needed.

PRIVATE & FREE
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• No sign-up, no login, no account.
• Your inputs and saved calculations stay on your phone.
• Free, supported by a single ad.

Perfect for anyone buying a phone, laptop, TV or home appliance on card EMI who wants the honest number first.

Note: An independent educational tool — not affiliated with the RBI, any bank, card network or retailer. Figures are estimates based on common no-cost EMI terms and are not financial advice; always confirm the exact terms with your bank.

Know the real cost. Then buy smart.

What’s new

• Know the real cost of a No Cost EMI, including GST on interest, processing fee, and the cash discount you lose
• Compare cash, No Cost EMI and normal EMI in one screen
• See the full month-wise EMI schedule, closing at exactly ₹0.00
• Save your calculations and share them as PDF
• Set a reminder for your bill date
• Works offline. No sign-up needed.