EMI Calculator - Loan Planner

Pratik Jamariya

Contains ads

About this app

The only EMI calculator that tells you the truth about No-Cost EMI.

Most no-cost EMI schemes aren't actually free. Banks and platforms recover interest through processing fees and 18% GST — and most apps don't show you this. EMI Calculator does.

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🔢 STANDARD EMI CALCULATOR
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• Calculate monthly EMI instantly for any loan
• See exact interest payable and total repayment amount
• Full month-by-month amortization schedule
• Works for home loans, car loans, personal loans, education loans
• Results update live as you type — no Calculate button needed

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📱 NO-COST EMI BREAKDOWN
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• Enter product price, tenure, and processing fee
• See the exact processing fee and 18% GST charged
• Find out your effective interest rate (it's rarely 0%)
• Know the hidden cost in ₹ before you commit
• Supports 3, 6, 9, 12, 18, and 24 month tenures
• Perfect for Flipkart, Amazon, Bajaj Finserv, and bank EMI schemes

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⚖️ LOAN COMPARISON
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• Compare two loans side by side
• See which loan costs less in total
• Compare EMI, total interest, and total payment at a glance

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💰 PREPAYMENT SIMULATOR
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• See how much interest you save with a lump sum prepayment
• Find out how many months early you can close the loan
• Simulate one-time or recurring prepayments

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✅ WHY EMI CALCULATOR
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• 100% offline — no internet needed, no account required
• Indian number formatting — ₹ values in lakhs and crores
• Instant results — recalculates on every keystroke
• Clean, distraction-free interface
• Dark mode support
• Save and revisit your recent calculations

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🇮🇳 BUILT FOR INDIA
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Designed specifically for Indian borrowers and shoppers. Whether you're planning a home loan, evaluating a phone on no-cost EMI, or comparing bank offers — this app gives you the numbers you actually need.

No login. No cloud. No nonsense. Just honest math.

What’s new

Bug fixes and Improvements