EMI Calculator Loan & Interest

EMI Calculator – Loan, Interest & Prepayment Planner

The smartest, fastest, fully offline EMI calculator and loan tracker. Plan home loans, car loans, personal loans and more, then compare, prepay, track and save — all on your device. No login. No ads tracking you. No internet needed.

NEW: choose your currency (₹, $, €, £, ¥ and more), number format and language — the app now speaks 8 languages.

MORE THAN A MONTHLY NUMBER
Most EMI calculators stop at the monthly figure. This one shows the full picture — interest split, prepayment savings, a month-by-month amortization schedule and side-by-side loan comparison.

CORE CALCULATORS
• EMI Calculator — instant monthly EMI from amount, rate and tenure; reverse mode to find tenure for a target EMI
• Part Payment / Prepayment — see how a lump sum cuts your interest; reduce tenure OR reduce EMI; exact savings
• Compare Loans — view 2+ loans side by side: EMI, total interest, total cost and tenure

EVERY LOAN TYPE
Home loan • Car loan • Personal loan • Education loan • Business loan • Gold loan • Property loan • Two-wheeler loan

DETAILED RESULTS
• Monthly EMI breakdown and total interest payable
• Total amount (principal + interest)
• Interest vs principal chart
• Full month-by-month amortization schedule
• Outstanding balance after each EMI

SAVE & TRACK YOUR LOANS
• Save unlimited loans on device
• Mark EMIs paid and watch real progress
• Mark multiple EMIs in one go after install
• Log floating-rate changes and EMI step-ups/downs over time
• Add prepayments and see the updated balance

EMI REMINDERS
• Local notifications before each EMI date
• See your next reminder date & time
• Customize day, time and frequency; pause and resume any time

LIGHT & DARK MODE with a clean Material design.

BACKUP & RESTORE
• Export your whole loan database to one file
• Restore on a new device in a tap — you own your data

BUILT FOR INDIA, READY FOR THE WORLD
• Indian Rupee (₹) with Lakh/Crore formatting, plus global currencies
• Realistic rate hints (home, car, personal)

PRIVACY FIRST
• 100% offline — no internet permission needed
• No login, no signup, no ads
• All data stored locally on your device

Whether you are planning a home loan (mortgage), a car loan, a personal loan, an education loan or a business loan, calculate your monthly EMI, total interest and full amortization schedule in seconds. Download now and take control of your loans — smarter borrowing, without ever sharing your data.