EMI Calculator - Loan Planner

EMI Calculator - Loan Planner is the most complete free financial calculator app for Android. Whether you're planning a home loan, calculating SIP returns, checking GST, or deciding between renting and buying — this app does it all, completely offline.

🌍 PERSONALISED FOR YOUR COUNTRY
Select your country on first launch and see only the calculators relevant to you. India users get SIP, PPF, HRA, GST and Income Tax. US users get Mortgage, 401k and retirement tools. UAE users get Islamic finance-friendly calculators. 40+ countries supported.

🏦 LOAN CALCULATORS
Calculate EMI for Home Loan, Car Loan, Personal Loan, Business Loan, Education Loan, and Mortgage. Compare two loans side by side to find the best deal. Check how much you save with part payment / prepayment. Find your maximum eligible loan amount based on your income.

📈 INVESTMENT CALCULATORS
SIP Calculator — plan your mutual fund investments and see how ₹5,000/month grows over 20 years. FD Calculator with quarterly/monthly compounding. PPF for tax-free returns. NPS for retirement planning. Step-Up SIP for salary increment-based investing. SWP for systematic withdrawal planning.

🧾 TAX CALCULATORS
GST Calculator (inclusive and exclusive). India Income Tax calculator supporting both New Regime and Old Regime for FY 2024-25. HRA exemption calculator. Compound Interest, Simple Interest, ROI, and CAGR.

🧠 SMART FINANCIAL TOOLS (UNIQUE FEATURES)
• Loan vs Investment Analyzer — should you prepay your loan or invest that extra money in SIP? Get a data-driven answer.
• Real Estate ROI — compare buying property vs investing in mutual funds over 10-20 years.
• Credit Card Payoff Planner — see how long it takes to pay off credit card debt and how much interest you waste paying minimum dues.
• EMI Calendar — save your active loans and get reminder notifications before EMI due dates.
• Rent vs Buy — a 10-year analysis of whether renting or buying a home makes more financial sense for you.
• Loan Health Score — get a score from 0-100 rating your financial health based on EMI-to-income ratio, number of loans, interest rates, and savings.
• Refinancing Calculator — should you switch to a lower interest rate loan? See exactly how much you save.
• Salary Affordability — enter your income and find the maximum home loan, car loan, and personal loan you can safely afford.
• Currency Converter — convert between 50+ currencies including INR, USD, GBP, EUR, AED, SAR, SGD and more — works offline.
• Financial Dashboard — see all your recent calculations in one place.

📊 PROFESSIONAL RESULTS
Every calculation gives you a detailed breakdown with charts, amortization tables, year-wise investment growth, and a PDF export option to save or share your results.

🎯 WHY USERS LOVE IT
✓ Works 100% offline — no internet needed for calculations
✓ No login, no account, no data collection
✓ Personalised for your country — see only relevant calculators
✓ PDF export for all results — share via WhatsApp, email
✓ Home screen widget — see your last EMI at a glance
✓ Calculation history — review past calculations anytime
✓ Dark and Light theme
✓ 51 currencies supported
✓ Beautiful, clean UI — easy for everyone
✓ Completely free

Questions? Contact us: [email protected]