EMI Calculator – Loan, GST, SIP & Tax Finance

A single offline app for the money questions people in India actually ask — what's my EMI, what does prepaying save me, how much will my SIP grow to, which tax regime is cheaper. Every answer is computed exactly on your phone, with nothing sent to a server.

Most "EMI calculator" apps are a thin wrapper around one formula and a pile of ads. This one is a proper toolkit: a set of calculators that share a clean, fast interface and give results to the rupee (and the paisa), all working with no internet connection.

The calculators

• Loan EMI — monthly instalment for any principal, rate and tenure, with the full split between interest and principal, and a year-by-year amortisation schedule.
• Prepayment planner — see how a one-time or recurring prepayment shortens your loan and cuts total interest.
• Loan comparison & eligibility — put two loans side by side, or estimate how much you can borrow for a given EMI.
• SIP & lump sum — the future value of a monthly SIP or a one-time investment at an assumed rate of return.
• FD & RD — maturity value of fixed and recurring deposits with compounding.
• GST — add or remove GST at any rate, with the base and tax amounts shown separately.
• Income-tax comparison — a quick comparison of tax under the old and new regimes to see which suits you.

Built for trust

Financial tools are only useful if the numbers are right, so correctness is the point here. Calculations use exact decimal arithmetic rather than rough floating-point shortcuts, and each calculator is tested against an independent reference. Results can be exported to PDF or CSV, and loans you care about can be saved for later — all stored only on your device.

Private by design

There is no account and no Northcell server. The figures you enter — loan amounts, salary, investments — never leave your phone; they are not uploaded anywhere. The only data that leaves the device is what Google's advertising library collects to serve the banner ad, detailed in the EMI Calculator privacy policy. A one-time purchase removes ads entirely.

Understand the maths

If you'd like to know how these numbers are produced rather than just reading them off, two of our guides go through the formulas step by step:

• How a loan EMI is actually calculated
• SIP explained: how monthly investing compounds