EMI Calculator: Loan & SIP

EMI Calculator shows your monthly EMI the moment you move a slider. Drag the loan amount, rate and tenure, and a live donut splits what you repay into principal and interest. Your EMI stays front and centre, with total interest and total payment below.

THIS IS A CALCULATOR, NOT A LENDER. The app does not offer loans, check eligibility or connect to your bank account, and it is not affiliated with any bank or NBFC. You enter the numbers, it does the math. Every calculation runs on your phone.

EMI CALCULATOR

✓ Big sliders for amount, rate and tenure; tenure in years or months, or tap a value to type it
✓ Live principal vs interest donut as you drag
✓ Monthly EMI, total interest and total payment on one screen
✓ Loan-type chips — Home, Car, Personal, Gold, Education — fill in a typical rate and tenure
✓ Year-wise EMI schedule with principal, interest and outstanding balance, or month by month
✓ Tenure up to 50 years

MORE LOAN TOOLS

✓ Loan calculator with 4 methods: reducing-balance EMI, equal principal, flat rate, and promo then floating rate
✓ Upfront fees and the real APR of a loan
✓ Simple vs compound interest: interest earned, effective annual rate and a year-by-year table
✓ Outstanding-balance and yearly principal/interest charts, read aloud by TalkBack or shown as a table
✓ Save 3 loans and reload them with a tap
✓ PDF export of the schedule (with a small watermark)
✓ EMI reminders and a quick-calculate home-screen widget
✓ 26 currencies including the Indian rupee, 12 languages, light and dark theme, native Hindi, Arabic and Thai digits
✓ Solve for any variable: enter three of amount, rate, tenure and EMI to find the fourth
✓ "If interest rates rise" table: the same loan at +1, +2 and +3 points
✓ Quick lakh and crore entry for amounts in rupees

PRO — LIFETIME, MONTHLY OR 3-MONTH PLAN

Buy once for life, or subscribe monthly or every 3 months and cancel anytime in Google Play. Not ready to pay? New installs get 5 free credits to unlock a tool below for 24 hours; each optional short video earns one more.

★ Processing fee % with 18% GST on the fee: the net amount you receive and the effective APR
★ SIP, FD and RD calculators: estimated maturity value and returns
★ Term deposit planner: interest at maturity, monthly or quarterly, reinvested or paid out, renewals, early-withdrawal interest loss
★ Part-payment simulator: monthly extras or lump-sum prepayments, reduce tenure or EMI, new schedule
★ Compare two loans side by side: EMI, total interest and total cost
★ Refinance / balance transfer comparison with switching costs and break-even month
★ Unlimited saved loans
★ PDF without watermark, plus Excel (.xlsx) and CSV export
★ Loan widget: next EMI, due date and progress
★ Backup and restore to a file you choose
★ App lock with fingerprint, face or screen lock
★ Advance EMI: pay at the start of each period, not the end, and see the lower EMI
★ Reverse SIP: the monthly SIP needed for a goal; FD interest added monthly, quarterly, half-yearly or yearly

WHY USE IT

• Instant: the EMI and the donut move with your finger, no Calculate button.
• Speaks EMI: reducing-balance interest, tenure in years or months, processing fee plus GST.
• No account needed. Pro removes all ads.

PRIVACY

The amounts, rates and loan names you type stay on this phone: they are never uploaded and there is no account. Backups are files you save yourself. The app uses Google Analytics and Crashlytics for usage counts and crash reports, which never include your loan figures and can be switched off in Settings. Purchases are handled by Google Play. The free version shows ads from Unity Ads (a banner at the bottom and an occasional full-screen ad between tools), which may use your device's advertising ID; optional reward videos earn extra credits. Pro removes all ads.

All results are estimates for information only, not financial advice. Your actual EMI, fees, GST and returns depend on your bank or lender — confirm them before you sign or invest.

Recent changes:
• Loan foreclosure: what it takes to close the loan today with the charge and GST, the interest you avoid, the net saving, and how long closing early still pays off