EMI Mitra – Loan & Tax Calc

🤝 EMI Mitra — Your Trusted Indian Personal Finance Calculator EMI Mitra is a free, privacy-first super-app that bundles every calculator and tracker an Indian household needs — loans, EMIs, mutual funds, post-office schemes, deposits, insurance, GST and Income Tax (Old vs New regime, FY 2025-26). No signup. No SMS permission. 100% on-device. 🏦 LOAN & EMI TOOLS • Loan EMI Calculator — monthly EMI, total interest, full amortization schedule • Home Loan EMI with 2025-26 indicative rates (SBI, HDFC, ICICI, Axis, LIC, BoB, PNB) • Car, Bike, Personal & Education loan EMI calculators • Loan Compare — see which of two offers is cheaper, side-by-side • Prepayment & part-payment impact calculator • EMI tracker — auto-pay logging, never miss a due date 📈 MUTUAL FUND & INVESTMENT TOOLS • SIP Calculator — future value with wealth-gain breakdown and yearly chart • Step-up SIP — model increasing SIP amounts every year • SWP Calculator — plan retirement withdrawals • Lumpsum Calculator — one-time investment FV • Goal Calculator — find the SIP needed to reach any goal • CAGR & XIRR helpers 🏛 BANK & POST OFFICE SCHEMES • Fixed Deposit (FD) — annual, half-yearly, quarterly, monthly compounding • Recurring Deposit (RD) maturity calculator • PPF — 15-year compounding, yearly or monthly deposits at 7.1% • NSC — 5-year compound at 7.7% • Sukanya Samriddhi (SSY) — girl-child scheme at 8.2% • Senior Citizen Saving Scheme (SCSS) — quarterly payout at 8.2% • Kisan Vikas Patra (KVP) — money-doubling tool • MIS (Monthly Income Scheme) calculator 🧾 INDIAN INCOME TAX CALCULATOR (FY 2025-26 / AY 2026-27) • Side-by-side comparison of OLD vs NEW regime • New regime slabs: 0% (₹0–4L), 5%, 10%, 15%, 20%, 25%, 30% (₹24L+) • ₹75,000 standard deduction (new) / ₹50,000 (old) • Section 87A rebate up to ₹12L taxable + marginal relief • 80C, 80D, 80CCD(1B), home loan interest 24(b), HRA, surcharge, 4% cess • Tells you exactly which regime saves more — and by how much 🧾 GST CALCULATOR • Add or remove GST at 5%, 12%, 18%, 28% • Inclusive ↔ exclusive conversion in one tap 🛡 GOVT INSURANCE INFO • PMJJBY (Jeevan Jyoti Bima) — ₹436 premium, ₹2L cover • PMSBY (Suraksha Bima) — ₹20 premium, ₹2L accidental cover 🌐 PERSONAL FINANCE TRACKERS • Dashboard — month-wise credit / debit / net with category bars • Corpus & Goals — log every PPF / SIP / FD installment with auto-pay • Net Worth — assets minus liabilities snapshot • Transactions — manual entry + JSON export / import • Cash counter, age calculator, compound interest, amount-to-words (Indian format) 📥 PASTE SMS TO IMPORT TRANSACTIONS Copy any bank or UPI SMS and paste it into EMI Mitra — we parse the debit/credit/EMI on your device and add it to your dashboard. No SMS permission ever requested. 🔒 PRIVACY-FIRST DESIGN • ZERO SMS permissions • ZERO account creation — open and start using • ALL data stays in your phone's local storage • Export your data as JSON anytime, delete with one tap ⚡ TINY, FAST, OFFLINE • App shell ~35 KB gzipped — opens in under a second on 2G • Works fully offline after first launch • Auto light/dark theme 🇮🇳 BUILT FOR INDIA • Indian rupee formatting (Lakh / Crore) • Supports SMS formats of HDFC, SBI, ICICI, Axis, Kotak, PNB, IDFC, Indian Bank, UPI apps • Indian govt schemes with current 2025-26 rates ❤️ WHY USERS LOVE EMI MITRA • Clean, ad-free interface — no clutter, no upsells, no fake "instant loan" buttons • Accurate maths verified against bank calculators • Works on 2G, low-end phones, and offline • Built and maintained by an Indian developer who replies to feedback NOT A LENDING APP. EMI Mitra is a CALCULATOR and TRACKER only — we do not provide loans, do not sell financial products, and do not take commissions. Built with ❤️ in India by Kuldeep Chotiya.