EMI Calculator

EMI Calculator by Gnananetra — your complete offline financial toolkit for loans, investments, taxes, and eligibility planning. 100% OFFLINE. Zero ads. Zero data collected. Your numbers never leave your device. ━━━━━━━━━━━━━━━━━━━━━━━━ 🏦 LOAN & EMI CALCULATORS ━━━━━━━━━━━━━━━━━━━━━━━━ 📌 EMI Calculator Calculate monthly EMI, total interest payable, and a full month-by-month amortization schedule using the reducing-balance formula. 📌 Loan Amount Calculator Know your maximum eligible loan amount — enter your affordable EMI, interest rate, and tenure to reverse-calculate the principal. 📌 Interest Rate Finder Discover the true annual interest rate (% p.a.) hidden in any loan offer — enter amount, EMI, and tenure. 📌 Loan Tenure Calculator Find out exactly how many months or years your loan will last based on the amount, rate, and your EMI. 📌 Moratorium EMI Calculator Analyse the EMI impact when interest is capitalised during a loan grace or moratorium period. 📌 Loan Prepayment & Tenure Reducer See how much interest you save and how many months you cut by making a lump-sum or extra monthly payment. 📌 Compare Loan Offers Place two loan offers side-by-side and instantly see which one costs less over the full tenure. ━━━━━━━━━━━━━━━━━━━━━━━ 💰 INVESTMENT CALCULATORS ━━━━━━━━━━━━━━━━━━━━━━━ 📈 SIP Calculator Project your Systematic Investment Plan wealth with monthly compounding and a year-by-year growth schedule. 📈 Fixed Deposit (FD) Calculator Calculate FD maturity value with quarterly compounding across any tenure in years and months. 📈 Recurring Deposit (RD) Calculator Find the maturity payout on your monthly RD installments with quarterly compounding returns. 📈 Compare Fixed Deposits Compare two FD options across different rates and tenures to find the better yield. 📈 Loan Rate of Interest (ROI) Reverse-calculate the implied annual interest rate from any existing loan's amount, EMI, and tenure. ━━━━━━━━━━━━━━━━━━━━━━━━━ 🏠 ELIGIBILITY & DOCUMENTS ━━━━━━━━━━━━━━━━━━━━━━━━━ 🏡 Home Loan Eligibility Estimate your maximum home loan eligibility using FOIR (Fixed Obligation to Income Ratio) and LTV (Loan to Value) norms — the same metrics banks use. 📋 Loan Documents Checklist Never miss a document. Interactive checklists for 5 loan types: • Home Loan • Personal Loan • MSME / Business Loan • Car Loan • Education Loan ━━━━━━━━━━━━━━━ 📊 TAX CALCULATORS ━━━━━━━━━━━━━━━ 🧾 GST Calculator Calculate Indian Goods & Services Tax (5%, 12%, 18%, 28%) in both exclusive and inclusive modes, with automatic CGST, SGST, and IGST split display. 🧾 VAT Calculator Add or extract Value Added Tax at any custom rate — useful for international and pre-GST calculations. ━━━━━━━━━━━━━━━━━ 📄 EXPORT REPORTS ━━━━━━━━━━━━━━━━━ Every calculator can export a branded, detailed report: • PDF — printable A4 format with full amortization schedule • Excel (.xlsx) — real Open XML workbook, not a CSV Reports are saved locally to your Downloads folder. Nothing is uploaded or shared automatically. ━━━━━━━━━━━━━ ⚙️ APP FEATURES ━━━━━━━━━━━━━ ✅ Fully offline — works without internet ✅ No account, no login, no sign-up ✅ Zero ads — no distractions, no tracking ✅ Multi-currency: INR, USD, EUR, GBP, AED, JPY, CAD, AUD, SGD ✅ Indian, Western, and European number formats ✅ Adjustable decimal precision (0–3 places) ✅ Dark mode & light mode support ✅ Material 3 design — smooth animations, haptic feedback ✅ Searchable calculator library ━━━━━━━━━━━━━━━━━━ 🏢 ABOUT GNANANETRA ━━━━━━━━━━━━━━━━━━ Built by Gnananetra Consulting Services (GNCS), a financial advisory firm based in Vijayawada, Andhra Pradesh. Our team of banking and loan specialists brings real-world lending expertise directly into this app. Need personalised loan advice? Contact our advisory team directly from within the app.