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• New tools: Loan eligibility shows how much you can borrow; Flat vs reducing rate compares a "flat" quote with a bank loan side by side • My Loans redesigned: each loan shows its next EMI with the principal and interest split, and its end date • Clearer statistics and smart savings tips worked out for your own loans Thanks for using EMI Calculator! Have an idea? Tap Settings → Send feedback
Home, car & personal loan EMI calculator: interest, prepayment & tracker
EMI Calculator – Loan, Interest & Prepayment Planner The smartest, fastest EMI calculator and loan tracker. Plan home loans, car loans, personal loans and more, then compare, prepay, track and save. No login needed, and your loan data stays on your device. NEW: Loan eligibility calculator, Flat vs reducing rate comparison, smart savings tips for your own loans, and a redesigned My Loans that shows each loan's next EMI split into principal and interest. 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 • Loan Eligibility — how much loan you can get from your salary and current EMIs • Flat vs Reducing Rate — the real interest rate behind a "flat" quote, side by side with a bank loan 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 • See each loan's next EMI, principal vs interest and end date • Loan statistics and savings tips: what a part payment or a higher EMI would save • 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 • Optional automatic backup to your own Google Drive • 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 • 8 languages and your choice of number format • Realistic rate hints (home, car, personal) PRIVACY FIRST • Your loan data is stored on your device, not on our servers • No login or signup needed • Calculators work offline • Optional app lock with fingerprint, face or passcode Free to use with ads. Go Pro with a one-time purchase to remove ads and see every savings tip. 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, with your loan data kept private.