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Home loan EMI, prepayment & step-up calculator. Plan to be debt-free faster.
Your home loan is probably the biggest financial decision of your life — DebtFree Planner helps you close it faster, with real numbers, not guesswork. WHAT IT DOES - Enter your loan amount, interest rate, and EMI — see your exact debt-free date - Drag sliders to test a lump-sum prepayment or extra monthly payment, live - Compare 5 ready-made prepayment strategies side by side - Model a Step-Up EMI plan — let your EMI grow with your salary each year - See what pausing an investment SIP actually costs a future goal, like a child's education, before you decide to redirect that money - Works in any currency — auto-detected from your phone's region, or pick your own WHY IT'S DIFFERENT FROM A BASIC EMI CALCULATOR Most EMI calculators stop at "here's your monthly payment." DebtFree Planner is built for the decision after that: how do I get out of this loan sooner? It models real prepayment strategies — lump sums, extra monthly payments, annual EMI step-ups, even redirecting rental income — and shows you exactly how many years and how much interest each one saves. PRIVACY-FIRST BY DESIGN Every number you enter — your loan amount, your income, your goals — stays on your device. There's no account, no login, and no server that ever sees your financial details. FREE VS PRO The Dashboard, Playground, and Compare Scenarios are free, no strings attached. Step-Up planning and Child Fund modeling are part of a one-time Pro unlock — no subscription, ever. Whether you're planning a fresh home loan or already years into one, DebtFree Planner turns "I hope I finish paying this off someday" into an actual plan with an actual date.