Built to make one of your biggest financial decisions feel simple.
Loans shape lives. A home, a car, an education, a family plan — all of them start with a signature on a piece of paper you may only partly understand. EMI360.in exists to change that.
We build the calmest, clearest loan planning tools in India — accurate to the rupee, private by design, free for everyone.
Built by someone who's seen the other side of the desk.
I spent over 10 years in retail banking before building EMI360 — approving loans, explaining EMIs to confused customers, watching people sign for tenures they didn't fully understand. I built the calculator I wished every customer had before walking into a branch.
That's also why the math here isn't an approximation. It's the same reducing-balance formula, the same FOIR logic, the same amortization mechanics your bank uses internally — because I've used them, not just read about them.
Ajit Pal Singh
Co-Founder, EMI360.in
She didn't understand her own car loan. So she helped build something that explains it.
People know me for the ordinary, good parts of life — mornings, outfits, small joys on camera. What they didn't see was me at 1 AM with five tabs open, trying to figure out if the car loan I was about to sign was actually a good deal.
Every calculator gave me one number — the EMI — and stopped there. No total cost, no way to know if the rate was even fair. I felt almost embarrassed, like everyone else understood something I didn't.
So I asked around. Turns out almost none of my friends understood it either — they'd all signed loans trusting numbers they never really checked.
That's when I called Ajit, the banker friend everyone asks when money stops making sense. He said something that stuck: "Everyone deserves to understand this, not just people who work in banking." That's the sentence EMI360 came from.
I don't write the code — that's Ajit's world, built from years sitting across the desk from people like me. What I bring is the reason this needed to exist: I know exactly what it feels like to sign something you don't understand, and I make sure EMI360 never makes anyone feel that way. I lead how we speak, how we look, and how far we reach — because the people who need this most rarely go looking for it.
Oindrila Saha
Co-Founder, EMI360.in
Accuracy first
Every calculation matches the math your bank uses — to the rupee.
Borrower-friendly
No sales pitch, no lender bias. Just clarity, in your interest.
Instant and free
Every tool loads in seconds and stays free for personal planning.
Privacy by default
Calculations run on your device. No signup, no tracking.