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 Flexi
Create and manage multiple loans
Add separate loans (Home, Car, Personal, etc.) and track them individually. Each loan has its own settings and EMI schedule.
See accurate EMI schedules
Month-by-month breakdown of:
Remaining principal
Principal paid
Interest paid
Yearly summary view to quickly see how much you pay each year.
Model floating interest rate changes
Add 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 loan
Loan completion date
Add prepayments and see savings immediately
Ad-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 tenure
How much interest you save in total
Fixed EMI overrides
Set 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 analysis
Pie & bar charts showing:
Principal vs Interest vs Prepayment
How your monthly payments are split over time
Compare scenarios to understand which strategy saves more money.
Download and share EMI schedules as PDF
Generate 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 comparisons
Check 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 money
See true cost of your loan
Instead of just looking at EMI, you see:
Total amount you’ll pay
Total interest vs principal
This makes it clear how expensive long tenures and small prepayments can be.
Test prepayment strategies before committing
Add a one-time prepayment and see:
How many EMIs you save
How much interest you avoid
Try 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 payments
Add a small extra amount every month (e.g. 1,000–2,000).
The app shows:
How your tenure drops
How interest paid reduces
You’ll often see that even small extra payments over time can save huge interest.
Plan around floating interest hikes
When 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 pay
Then decide:
Whether to refinance
Whether to increase EMI
Whether to make an extra prepayment now to cancel some of that extra interest.
Optimize EMI amount for comfort + savings
With 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 documented
Save 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.