LoanWise: EMI Loan Calculator

LoanWise helps you understand exactly what a loan will cost before you sign for it. Enter the loan amount, interest rate, and tenure to instantly see your monthly EMI, total interest, and total repayment — for home, car, personal, education, or business loans. Every screen is built around one idea: showing you where your money goes. The results screen breaks down your EMI into principal and interest with a simple chart, so you can see how much of each payment builds equity versus covers interest. The amortization schedule goes month by month for the full loan term, grouped by year so you can quickly check your balance at any point in the future. If you're thinking about paying extra toward your loan, the prepayment calculator shows the impact before you commit — enter a one-time or recurring extra payment, or an annual step-up to your EMI, and see exactly how much interest you save and how many months you shave off your loan. Shopping around for the best rate? The loan comparison tool puts two loan offers side by side — amount, rate, and tenure — and shows which one costs less overall, so the decision is based on numbers, not guesswork. Save any loan scenario to revisit later, and export a full schedule as a PDF to share with a lender, a co-borrower, or your own records. LoanWise supports multiple currencies, works entirely offline, and does not require an account or collect personal financial data — every calculation happens on your device. Features: • EMI calculator for home, car, personal, education, and business loans • Principal vs. interest breakdown with a visual chart • Full month-by-month amortization schedule, grouped by year • Prepayment calculator with one-time, recurring, and step-up EMI options • Side-by-side loan comparison • Save loan scenarios and revisit them anytime • Export and share the amortization schedule as a PDF • Multiple currency support • Works fully offline — calculations happen on your device