EMI Calculator - Loan Planner

The only EMI calculator that tells you the truth about No-Cost EMI. Most no-cost EMI schemes aren't actually free. Banks and platforms recover interest through processing fees and 18% GST — and most apps don't show you this. EMI Calculator does. ━━━━━━━━━━━━━━━━━━━━━━ 🔢 STANDARD EMI CALCULATOR ━━━━━━━━━━━━━━━━━━━━━━ • Calculate monthly EMI instantly for any loan • See exact interest payable and total repayment amount • Full month-by-month amortization schedule • Works for home loans, car loans, personal loans, education loans • Results update live as you type — no Calculate button needed ━━━━━━━━━━━━━━━━━━━━━━ 📱 NO-COST EMI BREAKDOWN ━━━━━━━━━━━━━━━━━━━━━━ • Enter product price, tenure, and processing fee • See the exact processing fee and 18% GST charged • Find out your effective interest rate (it's rarely 0%) • Know the hidden cost in ₹ before you commit • Supports 3, 6, 9, 12, 18, and 24 month tenures • Perfect for Flipkart, Amazon, Bajaj Finserv, and bank EMI schemes ━━━━━━━━━━━━━━━━━━━━━━ ⚖️ LOAN COMPARISON ━━━━━━━━━━━━━━━━━━━━━━ • Compare two loans side by side • See which loan costs less in total • Compare EMI, total interest, and total payment at a glance ━━━━━━━━━━━━━━━━━━━━━━ 💰 PREPAYMENT SIMULATOR ━━━━━━━━━━━━━━━━━━━━━━ • See how much interest you save with a lump sum prepayment • Find out how many months early you can close the loan • Simulate one-time or recurring prepayments ━━━━━━━━━━━━━━━━━━━━━━ ✅ WHY EMI CALCULATOR ━━━━━━━━━━━━━━━━━━━━━━ • 100% offline — no internet needed, no account required • Indian number formatting — ₹ values in lakhs and crores • Instant results — recalculates on every keystroke • Clean, distraction-free interface • Dark mode support • Save and revisit your recent calculations ━━━━━━━━━━━━━━━━━━━━━━ 🇮🇳 BUILT FOR INDIA ━━━━━━━━━━━━━━━━━━━━━━ Designed specifically for Indian borrowers and shoppers. Whether you're planning a home loan, evaluating a phone on no-cost EMI, or comparing bank offers — this app gives you the numbers you actually need. No login. No cloud. No nonsense. Just honest math.