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About EMIPlan

EMIPlan is a free loan EMI calculator built for Indian borrowers. Calculate home loan, car loan and personal loan EMIs instantly — with full month-by-month amortization schedules, prepayment simulations, colorblind-friendly charts and AI-powered financial insights.

Why EMIPlan?

Most Indian EMI calculators are cluttered with ads, show generic results and lack features that real borrowers need. EMIPlan was built to be genuinely useful:

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Full Amortization
Month-by-month schedule with principal, interest and balance — grouped by year
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Prepayment Simulator
See exactly how much interest you save and how many years early you close your loan
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AI Insights
GPT-4o powered advice specific to your loan — not generic tips
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Accessibility First
Colorblind-friendly Okabe-Ito palette with pattern differentiation on all charts
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Shareable URLs
Share your exact calculation via WhatsApp — recipient sees identical numbers
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Multi-currency
Auto-detects your location — supports INR, USD and EUR

🔒 Your Privacy

All EMI calculations happen entirely in your browser. No loan amounts, interest rates or personal data are ever sent to our servers. The only server call is the optional AI insight — which sends only the loan parameters, never any personal information.

Accuracy

All calculations use the standard reducing balance EMI formula — the same method used by SBI, HDFC, ICICI and every scheduled bank in India. Results match bank statements to the rupee for standard loans without moratorium periods.

Found a discrepancy? Let us know — we take calculation accuracy seriously.

Contact

Feedback, feature requests or bug reports Contact page →

Try the calculator — takes 10 seconds to get your full EMI breakdown

Open EMI Calculator →