Key Features
Discover why our Smart EMI Calculator is the best tool for your loan planning.
Comprehensive Cost Analysis
Unlike basic calculators, we factor in often-overlooked charges. This includes GST on the interest component of your EMI and GST on one-time processing fees, providing a true, all-inclusive cost of your loan.
Flexible Processing Fee Calculation
Processing fees can be a fixed amount or a percentage of the loan. Our calculator supports both, allowing you to accurately model loan offers from different lenders.
Detailed Amortization Schedule
View a year-by-year and month-by-month breakdown of your repayment schedule. See exactly how much of each payment goes towards principal and interest, and watch your loan balance decrease over time.
Prepayment & Foreclosure Simulation
Want to pay off your loan early? Our 'Prepayment' tab lets you simulate the impact of extra payments. See how you can save on interest by either reducing your loan tenure or your monthly EMI. The 'Foreclosure' tab helps you understand the costs and savings if you decide to close the loan entirely.
Export & Share Your Calculations
Easily download your complete loan analysis as a professional PDF or Excel file. You can also generate a unique shareable link to send your calculations to family, friends, or financial advisors.
Installable & Offline-Ready (PWA)
Install the app on your mobile or desktop device for a native-app experience. Access the calculator anytime, even without an internet connection.