EMI Calculator Loan Tracker

The only loan calculator you'll ever need — for every loan, every stage of life.
Whether you're taking out a mortgage, car loan, or personal loan, this app gives you the full picture before you sign — and keeps you in control for every month after.

— INSTANT PAYMENT CALCULATION —
Enter your loan amount, interest rate, and term. Get your monthly payment, total interest payable, and exact payoff date in seconds. Adjust the sliders and watch the numbers update in real time.

— FULL AMORTIZATION SCHEDULE —
See exactly where every payment goes — how much reduces your principal and how much goes to interest, month by month, for the life of the loan. No surprises.

— PREPAYMENT PLANNING —
What happens if you pay a little extra each month? Or make a lump-sum payment next year? See precisely how many months you save and how much interest you avoid — before you make a single extra payment.
Add monthly, yearly, or one-off prepayments and watch your savings update instantly.

— VARIABLE RATE TRACKING —
On a variable, tracker, or adjustable-rate loan? When your lender changes your rate, log the revision and see your updated schedule, new monthly payment, and revised payoff date immediately.
No more guessing what a rate change means for your loan.

— REFINANCE CALCULATOR —
Thinking of switching to a better rate? Enter your current loan, your new offer, and any switching costs. The app tells you your monthly saving, total interest saved, and exactly how many months until you break even.
Know the answer before you make the call.

— LOAN COMPARISON —
Got multiple offers? Compare up to 3 loans side by side — monthly payment, total interest, and total repayment for each. Spot the best deal instantly.

— STEP-UP PAYMENTS —
Expecting your income to grow? Set higher payment amounts at future points in your loan term and see how that accelerates your payoff.

— SMART REMINDERS —
Never miss a payment. Set reminders for your due date and get a notification before each instalment is due.

WORKS FOR:
Home loans · Mortgages · Car loans · Personal loans · Business loans · Any fixed or variable rate loan
PREMIUM FEATURES (one-time purchase available):

Unlimited EMI reminders
Multiple prepayments
Multiple rate change entries
Step-up payment planning
Ad-free experience
One-time lifetime purchase option

Download free. Upgrade when you're ready.