EMI Calculator

EMI Calculator by Gnananetra — your complete offline financial toolkit for loans, investments, taxes, and eligibility planning.

100% OFFLINE. Zero ads. Zero data collected. Your numbers never leave your device.

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🏦 LOAN & EMI CALCULATORS
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📌 EMI Calculator
Calculate monthly EMI, total interest payable, and a full month-by-month amortization schedule using the reducing-balance formula.

📌 Loan Amount Calculator
Know your maximum eligible loan amount — enter your affordable EMI, interest rate, and tenure to reverse-calculate the principal.

📌 Interest Rate Finder
Discover the true annual interest rate (% p.a.) hidden in any loan offer — enter amount, EMI, and tenure.

📌 Loan Tenure Calculator
Find out exactly how many months or years your loan will last based on the amount, rate, and your EMI.

📌 Moratorium EMI Calculator
Analyse the EMI impact when interest is capitalised during a loan grace or moratorium period.

📌 Loan Prepayment & Tenure Reducer
See how much interest you save and how many months you cut by making a lump-sum or extra monthly payment.

📌 Compare Loan Offers
Place two loan offers side-by-side and instantly see which one costs less over the full tenure.

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💰 INVESTMENT CALCULATORS
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📈 SIP Calculator
Project your Systematic Investment Plan wealth with monthly compounding and a year-by-year growth schedule.

📈 Fixed Deposit (FD) Calculator
Calculate FD maturity value with quarterly compounding across any tenure in years and months.

📈 Recurring Deposit (RD) Calculator
Find the maturity payout on your monthly RD installments with quarterly compounding returns.

📈 Compare Fixed Deposits
Compare two FD options across different rates and tenures to find the better yield.

📈 Loan Rate of Interest (ROI)
Reverse-calculate the implied annual interest rate from any existing loan's amount, EMI, and tenure.

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🏠 ELIGIBILITY & DOCUMENTS
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🏡 Home Loan Eligibility
Estimate your maximum home loan eligibility using FOIR (Fixed Obligation to Income Ratio) and LTV (Loan to Value) norms — the same metrics banks use.

📋 Loan Documents Checklist
Never miss a document. Interactive checklists for 5 loan types:
• Home Loan
• Personal Loan
• MSME / Business Loan
• Car Loan
• Education Loan

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📊 TAX CALCULATORS
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🧾 GST Calculator
Calculate Indian Goods & Services Tax (5%, 12%, 18%, 28%) in both exclusive and inclusive modes, with automatic CGST, SGST, and IGST split display.

🧾 VAT Calculator
Add or extract Value Added Tax at any custom rate — useful for international and pre-GST calculations.

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📄 EXPORT REPORTS
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Every calculator can export a branded, detailed report:
• PDF — printable A4 format with full amortization schedule
• Excel (.xlsx) — real Open XML workbook, not a CSV

Reports are saved locally to your Downloads folder. Nothing is uploaded or shared automatically.

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⚙️ APP FEATURES
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✅ Fully offline — works without internet
✅ No account, no login, no sign-up
✅ Zero ads — no distractions, no tracking
✅ Multi-currency: INR, USD, EUR, GBP, AED, JPY, CAD, AUD, SGD
✅ Indian, Western, and European number formats
✅ Adjustable decimal precision (0–3 places)
✅ Dark mode & light mode support
✅ Material 3 design — smooth animations, haptic feedback
✅ Searchable calculator library

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🏢 ABOUT GNANANETRA
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Built by Gnananetra Consulting Services (GNCS), a financial advisory firm based in Vijayawada, Andhra Pradesh. Our team of banking and loan specialists brings real-world lending expertise directly into this app.

Need personalised loan advice? Contact our advisory team directly from within the app.

Recent changes:
Initial release of EMI Calculator with essential financial calculation tools.