AI-Powered Loan Planner
Plan Your Loan.
Understand Every Rupee.
Calculate your EMI, understand affordability, compare repayment strategies and discover smarter ways to reduce your interest.
Enter your details and calculate to see your comfort score.
Choose Your Repayment Strategy
Three ways to approach the same loan.
| Plan | Rate | Tenure | EMI | Total Interest |
|---|
AI explains the numbers already calculated above — it never computes them itself.
What-If Simulator
Drag to see how small changes affect your loan — includes a rate-rise stress test.
A smarter repayment strategy could save you
Calculate your loan to see the best available strategy.
Prepayment Simulator
Combine a one-time lump sum with an ongoing extra payment.
Amortization Schedule
See how your balance changes over time.
| Year | Principal | Interest | Total Paid | Balance |
|---|
Save Your Plan
Copy a summary or download a printable report.
Important: Results are estimates for informational purposes. Actual EMI, fees, taxes, insurance, interest rates, prepayment rules, and lender terms may vary. This calculator does not guarantee loan approval and is not financial advice.
Common questions about the loan planner
Is this EMI calculator free to use?+
Yes. The loan planner is completely free, with no sign-up or account required.
Does the AI calculate my EMI or interest?+
No. All EMI, interest and amortization figures are calculated locally in your browser using standard loan formulas. The AI only explains numbers that have already been calculated — it never generates or changes the math itself.
Is my financial information sent anywhere?+
Your loan amount, rate and tenure stay in your browser for all calculations. Only the specific numbers already shown on screen are sent when you ask the AI Loan Coach a question — nothing is stored or shared beyond that request.
What is the Loan Comfort Score?+
It's an informational estimate of how your EMI compares to your income and existing obligations. It is not a credit score, bank approval, or loan eligibility decision.
Can I simulate a prepayment or extra monthly payment?+
Yes. The Prepayment Simulator and What-If sections let you test a one-time lump sum, an ongoing extra monthly payment, or a rate change, and instantly see the effect on your interest and payoff time.
Are the results a loan approval or financial advice?+
No. All figures are estimates for planning purposes only. Actual EMI, fees, interest rates and approval depend on your lender's terms and underwriting process.
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