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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
LivePlan your loan
Monthly EMI
₹21,854
Loan Snapshot
Loan Health Score
A composite of EMI affordability, tenure, interest ratio, and prepayment strategy.
- 20.0-year tenure keeps interest reasonable. Cutting tenure by 2 years (EMI +₹936) would save 3.22 L.
- Interest is 110% of the principal amount. Negotiating a 0.5% lower rate would drop this by 1.89 L.
- Rate of 8.60% is above market — negotiate or explore a balance transfer to shave 0.5–1%.
- 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.
Added on top of your monthly EMI — directly reduces principal.
Start with your goal.
Skip the long list. Pick what you're planning and we'll take you to the right tools.
A dedicated calculator for every loan decision.
One clean, focused page per calculator — no clutter, no compromises.
EMI Calculator
A generic, loan-type-agnostic EMI calculator.
Open CalculatorHome Loan Calculator
Calculate your EMI, total interest, repayment schedule and prepayment savings instantly.
Open CalculatorCar Loan EMI Calculator
Calculate car loan EMI, total interest, Loan-to-Value, down payment fit and total cost of ownership instantly — the same reducing-balance formula every Indian bank uses.
Open CalculatorPersonal Loan EMI Calculator
Calculate personal loan EMI, total interest, processing fee impact and prepayment savings instantly — the same reducing-balance formula every Indian bank and NBFC uses.
Open CalculatorEducation Loan Calculator
Plan your education loan with the moratorium, interest capitalization and post-study EMI all modelled — the same reducing-balance formula every Indian bank uses.
Open CalculatorLoan Eligibility Calculator
Estimate how much Home, Car, Personal or Education loan you qualify for — the same FOIR-based math every Indian bank uses, with a downloadable eligibility report.
Open CalculatorLoan Affordability Calculator
See what the bank will lend you versus what you can comfortably afford — the FOIR-based ceiling and a lifestyle-safe number, side by side, for Home, Car, Personal or Education loans.
Open CalculatorPrepayment Calculator
Simulate one-time lump sums, extra monthly EMI and step-up EMI on Home, Car, Personal or Education loans — see interest saved, months saved and which lever moves the needle most.
Open CalculatorAmortization Schedule
See exactly how each EMI splits between principal and interest — the cumulative curve, the year-by-year table and the full month-by-month schedule — for Home, Car, Personal or Education loans.
Open CalculatorLoan Comparison Calculator
Compare two loans side by side — EMI, total interest, total repayment, closing date, effective cost and loan health — all computed by the same shared engine used across every EMI360 calculator.
Open CalculatorSmart Money Planner
Plan income, EMIs, savings and goals in one place.
Open CalculatorBuilt 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.
Private by default
Every calculation runs on your device. No signup, no tracking, no data leaves you.
Share bank-ready PDF reports
Professional summaries to send to your CA, family or lender in one click.
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.