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Loan EMI Calculator & Debt Payoff Planner
See your EMI, the real interest you will pay and how much a small prepayment saves. Compare loan offers and get a clear order to clear all your debts.
Understand your loans in rupees, not jargon. Home loan, car loan, personal loan or credit card: this planner shows the full picture and a way out of debt faster.
Inside
- EMI calculator with monthly and one-time prepayment: see interest saved and how many years earlier you become loan-free
- Full repayment schedule month by month with a balance chart
- Compare up to 4 loan offers including processing fees; the cheapest is highlighted
- Debt payoff planner: list all debts and choose Avalanche (save the most interest) or Snowball (quick wins); see which debt to attack first
Uses the same reducing-balance method most Indian banks use. For planning and education; confirm figures with your lender.
Everything you get
EMI Calculator
EMI, total interest, prepayment savings and loan closing date
Repayment schedule
Up to 40 years of monthly interest, principal and balance
Compare Loans
4 offers side by side with true total cost
Debt Payoff Plan
Up to 15 debts with priority, months to clear and interest
Files in your download
- Loan_EMI_Debt_Planner.xlsx181 KB
- Loan_EMI_Debt_Planner_SAMPLE.xlsx181 KB
Start in 4 simple steps
A step-by-step guide is also included inside your download.
- 1
Enter your loan
Amount, rate, tenure and first EMI date
- 2
Try prepayments
Add a small monthly or one-time amount and see the savings
- 3
Compare offers
Before you sign, enter each bank's terms
- 4
List your debts
Choose a method and attack priority #1
Questions about this product
Will my EMI match the bank's exactly?
Usually within a few rupees; banks may differ slightly due to rounding and processing dates.
Does it work for credit cards?
Yes, add them in the Debt Payoff Plan with the card's interest rate and your monthly payment.
How do I get the files after payment?
A download button appears on screen right after payment, and the link is emailed to you. You can also download again any time from My account.
Can I use it on my phone?
Yes. It works with Microsoft Excel, Google Sheets, WPS Office. Free mobile apps are enough.
What if something does not work?
Write to us within 7 days with your order number. We will fix it, send a working file, or refund you.
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