Work out your home loan, car loan or personal loan EMI in seconds. Plan your SIP, FD and PPF, compare the old and new tax regime, and add GST, all in one simple app that works offline.
Change the loan amount, interest rate or tenure to see your monthly EMI. The app adds fees, part payments, a full schedule and much more.
Results are estimates on a reducing balance, the way Indian banks calculate EMI. Your lender's figures may differ slightly.
Banks in India use the reducing-balance formula. Each month, interest is charged only on the amount you still owe, and the rest of your EMI repays the principal.
Example: a ₹25,00,000 home loan at 8.5% for 20 years has an EMI of ₹21,696. Over 240 months you pay ₹27,06,939 in interest, ₹52,06,939 in total.
Loan EMI, SIP, FD, RD, PPF, income tax, HRA, GST and currency, with the answer at the top and the controls within thumb reach.
A home loan EMI calculator, car loan EMI calculator and personal loan EMI calculator in one place, plus bike, education, gold and business loans.
Switch from EMI to Amount, Tenure or Rate. Enter the EMI you can afford and the app shows how much you can borrow, or finds the interest rate a bank is really charging.
Add the processing fee, GST on the fee and advance EMIs. The app turns them into the true rate (APR) of the offer, so a 10.5% loan with fees shows up as the 12.2% it really costs.
A SIP investment calculator with yearly step-up, plus a lumpsum calculator. See what you invest, your estimated returns and the maturity value, year by year.
An income tax calculator for FY 2026-27 that tells you which regime saves you more. Standard deduction, 87A rebate, surcharge and cess are included, with 80C, 80D, HRA and home loan interest for the old regime.
Also includes an HRA exemption calculator with the 8 cities that get the 50% limit from FY 2026-27.
Add GST to a price, or find the GST already included in what you paid. CGST and SGST are split for you, at 3%, 5%, 18% and 40%.
Convert USD to INR, EUR, GBP, AED, SGD and more with daily exchange rates. The rates are saved on your phone, so the converter keeps working offline.
Every calculator runs on your phone. Only currency rates use the internet.
No sign-up, no account, no ads, no tracking. Your numbers stay on your phone.
Amounts in lakh and crore, the way you read them.
Clean screens that follow your phone's theme.
EMI (equated monthly instalment) is the fixed amount you pay your lender every month until a loan is repaid. Each EMI pays part of the interest and part of the principal. Early EMIs are mostly interest; later EMIs are mostly principal.
EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12 ÷ 100) and n is the number of months. For a ₹25,00,000 home loan at 8.5% for 20 years, the EMI is ₹21,696 and the total interest is ₹27,06,939.
Yes. The app is free on Google Play, with no sign-up and no account.
Yes. Every calculator works offline. Only the currency converter uses the internet, about once a day, to download exchange rates, and it keeps the last rates so it also works offline.
A flat rate charges interest on the full loan amount for the whole tenure. A reducing rate charges interest only on the amount still owed, so the same number costs much less. For example, 8.5% reducing over 20 years costs about the same as 5.4% flat. The app converts between the two.
It depends on your salary and deductions. Under the new regime, salary up to ₹12.75 lakh pays no tax after the ₹75,000 standard deduction and the 87A rebate. For a ₹15 lakh salary with ₹1.5 lakh under 80C and ₹25,000 under 80D, the new regime tax is ₹97,500 against ₹2,02,800 in the old regime. The app compares both for your numbers.
No. The app is a calculator only. It does not offer, arrange or recommend loans and is not connected to any bank or lender.
The app collects no personal information. The numbers you enter stay on your phone. There are no ads, no analytics and no tracking. Read the privacy policy.
Free, works offline, no sign-up.
EMI Calculator