EMI Planner - Loan & Invest

Most EMI apps show you a number. EMI Planner shows you the truth: how much
interest the bank really earns, the exact date you'll be debt-free, and what
your savings are actually worth after tax and inflation.

No ads. No sign-up. Fully offline — nothing ever leaves your phone.

── WHY PEOPLE TRUST IT ──
- Your TRUE cost, not just the EMI — total interest, APR with fees, and your
"Freedom Date."
- Your REAL growth, not just maturity value — returns after tax and inflation.
- Built on RBI rules (2024–2026): prepayment and penal-charge clarity.
Educational, never a sales pitch.
- No ads. No tracking. No account. 100% on-device.

── BORROW · plan the loan ──
- Reducing-balance & flat-rate EMI — Home, Car, Personal & Education
- Year and month-wise amortization
- Loan eligibility (RBI FOIR) — how much you can borrow
- Already paying? Enter the start date for accurate current-balance math
- Down payment / LTV helper for home & car loans

── PAY LESS · beat the bank ──
- Prepayment: Tenure-Reduce vs EMI-Reduce, side by side, best one marked
- Lump-sum timing — how much more you save by paying earlier
- Tenure-extension trap detector — the hidden cost when a bank stretches you
- Insurance-bundling check — strip a financed premium to reveal the real APR
- Pre-EMI vs Full EMI for under-construction homes

── COMPARE & DECIDE ──
- Loan A vs Loan B
- Should I refinance? — break-even after closing costs
- True cost / hidden charges (APR)
- Rate-change impact (±%)
- Prepay vs Invest — pay the loan down or invest the spare?

── GROW · plan the money ──
- SIP & power of compounding (monthly or lump sum, optional step-up)
- Goal Planner (inflation-adjusted), Retirement Number, Asset Allocation
- Growth chart — invested vs gains, year by year

── REALITY CHECK · the honest numbers ──
- Real Return — worth after tax + inflation
- Cost of Delay — what waiting a year really costs
- SIP vs Lumpsum
- FD & RD maturity PLUS real return after tax & inflation
- SWP — does your corpus last, and exactly when it runs out

── TAX & PLANNING ──
- Home-loan tax benefits (Sec 24b + 80C)
- Old vs New regime comparison (FY 2025-26)
- Export a clean PDF of your schedule

── STAY ON TRACK ──
- Monthly EMI reminders (local — no server)
- Save plans and reload anytime
- Shareable EMI summary card

── MADE FOR INDIA ──
- ₹ lakh/crore format + international format
- English & Telugu · Dark mode

EMI Planner is an educational calculator — not a lender or financial advisor.
We never sell loans, never show ads, never share your data. Always confirm
final figures with your bank's Key Fact Statement.

An app by Vamaha.

Recent changes:
Stability and performance improvements.