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Plan every loan with confidence. Calculate EMI, discover smarter repayment strategies, reduce interest costs and download professional loan reports — all in one place.
Workspace
Live PreviewPlan your loan
Monthly EMI
₹21,854
Loan Snapshot
Loan Health Score
- Interest rate is competitive (8.60% p.a.)
- Loan tenure of 20 years is reasonable
- Interest will be 52% of total payment — a higher down payment could help.
- Increasing EMI by ₹2,000/month could save ₹6.00 L in interest.
Next step
Best move: Increase your EMI by ₹2,000/mo to save ₹6.00 L and finish 45 months earlier.
Smart Savings Planner
Discover how small repayment changes can save you lakhs of rupees — every adjustment recalculates instantly.
Your repayment levers
LiveAdded on top of your monthly EMI — directly reduces principal.
When the lump sum will hit your loan.
vs. your base plan
63 months ahead of schedule
Original: Jul 2046
Money that stays with you
Why this works. Every extra rupee paid early kills compounding interest. A modest ₹3.0 K/mo top-up on a ₹30.00 L loan can quietly remove ₹10.14 L of interest and close your loan 5.3 years earlier.
Start with your goal.
Skip the long list. Pick what you're planning and we'll take you to the right tools.
Every calculator you'll need, organized clearly.
One dedicated tool for every kind of loan decision — no overwhelm.
Built to help you borrow with confidence.
Every feature exists to make one of the biggest financial decisions of your life feel clearer, safer and completely under your control.
Know your exact EMI before applying
Bank-grade math to the rupee — no surprises when you sign the loan agreement.
Save lakhs by paying a little extra
See in real time how a small monthly top-up shortens tenure and cuts interest.
Understand every rupee of your loan
Year-by-year breakdown of principal, interest and balance in plain language.
Share bank-ready PDF reports
Professional summaries to send to your CA, family or lender in one click.
Plan comfortably from your phone
Every calculator is fully responsive — the same clarity as desktop, on the go.
Private by default
Every calculation runs on your device. No signup, no tracking, no data leaves you.
Instant, live results
Numbers, charts and reports update the moment you change an input.
Walk into your bank with a private-banker grade report.
A branded, recruiter-ready PDF of your loan analysis — share it with your CA, your spouse, or your lender.
EMI360.in
Loan Report — Sample
Borrow Smarter. Save More.
Loan Amount
₹30,00,000
Interest Rate
8.50%
Tenure
20 yrs
Monthly EMI
₹26,035
Total Interest
₹32,48,327
Total Payment
₹62,48,327
- EMI Summary
- Charts
- Amortization
- Prepayment Analysis
- Financial Insights
Free · No signup · Generated instantly on your device.
Answers before you borrow.
General
EMI360.in is India's smart loan planning platform. It helps you calculate EMIs, simulate prepayments, plan repayment strategies and download professional loan reports — all in one place.
We believe everyone should have access to accurate loan planning tools before signing a loan. Core calculators, planners and PDF reports will always remain free.
No. EMI360.in provides estimates and planning scenarios to help you think clearly about loans. Always confirm final terms with your lender.
EMI
EMI uses the standard formula EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) where P is principal, r is monthly interest rate, and n is the number of months. EMI360.in implements it to the rupee.
Every calculator uses the same financial formulas banks use internally — rounded to the rupee. The numbers match the EMI any major Indian lender will quote for the same inputs.
Prepayment
It simulates extra monthly EMIs and one-time prepayments on top of your base plan, then recomputes the schedule month-by-month to show exactly how much interest you avoid and how many months your loan closes earlier.
Yes — even ₹1,000–₹2,500 extra a month can save several lakhs of interest on a long-tenure home loan. The prepayment calculator shows your specific number.
Reports
Yes. Open the Professional PDF Report section and click Download. It includes a donut summary, full year-wise schedule and bank-ready formatting — share it with your CA, family or lender.
Fully. Every calculation and PDF is generated on your device. Nothing is uploaded to our servers.
Loan Planning
Start with the EMI calculator on the homepage to understand your monthly payment. Then use eligibility and affordability tools to see what's realistic for your income and lifestyle.
Yes — each calculator is a fresh scenario. Save a PDF for each plan you're comparing and pick the one that fits best.
Calculations are estimates and should not be considered financial advice. Confirm final terms with your lender before signing.