Loan EMI Calculator - Flexi
Understand your loans. Plan EMIs. Save money.EMI Calculator Flexi helps you model your home, car, education, and personal loans in detail. Adjust interest rates, prepayments, and fixed EMIs to see exactly how they change your monthly payment, total interest, and loan tenure.Whether you’re planning a new loan or managing an existing one, EMI Calculator Flexi gives you clear tables, graphs, and PDFs so you can make better decisions and avoid paying unnecessary interest.What you can do with EMI Calculator FlexiCreate and manage multiple loansAdd separate loans (Home, Car, Personal, etc.) and track them individually. Each loan has its own settings and EMI schedule.See accurate EMI schedulesMonth-by-month breakdown of:Remaining principalPrincipal paidInterest paidYearly summary view to quickly see how much you pay each year.Model floating interest rate changesAdd floating interest entries when your bank changes the rate.See how each rate change affects:Monthly EMI (if applicable)Total interest over the life of the loanLoan completion dateAdd prepayments and see savings immediatelyAd-hoc prepayments (one-time lump sums).Monthly prepayments (small extra amount each month).Yearly prepayments (annual bonus or lump sum).The app recalculates your schedule so you can see:How many months you shave off your tenureHow much interest you save in totalFixed EMI overridesSet a Fixed EMI different from the standard EMI.Model what happens if you increase or decrease EMI after some months.Understand how a higher EMI reduces your interest and shortens your loan.Graphical analysisPie & bar charts showing:Principal vs Interest vs PrepaymentHow your monthly payments are split over timeCompare scenarios to understand which strategy saves more money.Download and share EMI schedules as PDFGenerate a clean, multi-page PDF EMI schedule for any loan.Includes summary, month-wise breakdown, and a neat footer with app info and links.Subscribers can share PDFs by email, messaging, or save them for records.Quick loan checks & scenario comparisonsCheck loan values for different amounts, interest rates, and tenures.Run “what-if” scenarios to find a comfortable EMI and repayment plan.How this app helps you save moneySee true cost of your loanInstead of just looking at EMI, you see:Total amount you’ll payTotal interest vs principalThis makes it clear how expensive long tenures and small prepayments can be.Test prepayment strategies before committingAdd a one-time prepayment and see:How many EMIs you saveHow much interest you avoidTry different amounts (10,000 vs 50,000 vs 1,00,000) to see which gives meaningful savings without affecting your monthly budget too much.Explore small monthly or yearly extra paymentsAdd a small extra amount every month (e.g. 1,000–2,000).The app shows:How your tenure dropsHow interest paid reducesYou’ll often see that even small extra payments over time can save huge interest.Plan around floating interest hikesWhen your bank increases the rate, update the floating rate entries.Immediately see:New EMI or extended tenure (depending on how your loan is structured)The extra interest you’ll payThen decide:Whether to refinanceWhether to increase EMIWhether to make an extra prepayment now to cancel some of that extra interest.Optimize EMI amount for comfort + savingsWith Fixed EMI overrides, you can:Try higher EMIs to see how fast you can finish the loan and how much you save.Try lower EMIs to handle tight months, and check how much extra interest it costs.This lets you balance cash flow today vs interest savings over time.Keep everything documentedSave and (if subscribed) share PDFs with your EMI schedule.Useful for personal tracking, discussions with your bank, or financial planning with your family or advisor.
