EMI Planner - Loan & Invest

Most EMI apps show you a number. EMI Planner shows you the truth: how much interest the bank really earns, the exact date you'll be debt-free, and what your savings are actually worth after tax and inflation. No ads. No sign-up. Fully offline — nothing ever leaves your phone. ── WHY PEOPLE TRUST IT ── - Your TRUE cost, not just the EMI — total interest, APR with fees, and your "Freedom Date." - Your REAL growth, not just maturity value — returns after tax and inflation. - Built on RBI rules (2024–2026): prepayment and penal-charge clarity. Educational, never a sales pitch. - No ads. No tracking. No account. 100% on-device. ── BORROW · plan the loan ── - Reducing-balance & flat-rate EMI — Home, Car, Personal & Education - Year and month-wise amortization - Loan eligibility (RBI FOIR) — how much you can borrow - Already paying? Enter the start date for accurate current-balance math - Down payment / LTV helper for home & car loans ── PAY LESS · beat the bank ── - Prepayment: Tenure-Reduce vs EMI-Reduce, side by side, best one marked - Lump-sum timing — how much more you save by paying earlier - Tenure-extension trap detector — the hidden cost when a bank stretches you - Insurance-bundling check — strip a financed premium to reveal the real APR - Pre-EMI vs Full EMI for under-construction homes ── COMPARE & DECIDE ── - Loan A vs Loan B - Should I refinance? — break-even after closing costs - True cost / hidden charges (APR) - Rate-change impact (±%) - Prepay vs Invest — pay the loan down or invest the spare? ── GROW · plan the money ── - SIP & power of compounding (monthly or lump sum, optional step-up) - Goal Planner (inflation-adjusted), Retirement Number, Asset Allocation - Growth chart — invested vs gains, year by year ── REALITY CHECK · the honest numbers ── - Real Return — worth after tax + inflation - Cost of Delay — what waiting a year really costs - SIP vs Lumpsum - FD & RD maturity PLUS real return after tax & inflation - SWP — does your corpus last, and exactly when it runs out ── TAX & PLANNING ── - Home-loan tax benefits (Sec 24b + 80C) - Old vs New regime comparison (FY 2025-26) - Export a clean PDF of your schedule ── STAY ON TRACK ── - Monthly EMI reminders (local — no server) - Save plans and reload anytime - Shareable EMI summary card ── MADE FOR INDIA ── - ₹ lakh/crore format + international format - English & Telugu · Dark mode EMI Planner is an educational calculator — not a lender or financial advisor. We never sell loans, never show ads, never share your data. Always confirm final figures with your bank's Key Fact Statement. An app by Vamaha.