No account · No ads · Works offline
Calm software for
everyday India.
No ads. No tracking. Works offline.
We build one honest tool at a time — and our first one already helps people save lakhs. Meet EMI Planner.
Free · No account · No ads · Works offline
Your Freedom Date
Jun 2046
Monthly EMI
₹43,391
Total interest
₹54.1L
Drag a slider. The full app shows the month-by-month split, prepayments, and more.
What EMI Planner has done so far
Figures based on internal usage analytics and projected outcomes.
Inside EMI Planner
The smartest loan calculator for Indian borrowers. Scroll to see what makes it different.
Your bank earns more from your loan than you realize.
Most borrowers never see the full picture. EMI Planner shows you exactly how much goes to the bank — and gives you the power to fight back.
Know the exact month you'll be free.
Not just an EMI number — a date. EMI Planner calculates your personal Freedom Date and shows how every extra payment brings it closer.
In month one, almost nothing reduces your loan.
This is the hidden truth of reducing balance loans. The Schedule tab shows you the exact split — month by month — so you can plan smarter.
A single extra payment today can save lakhs.
EMI Planner simulates any prepayment scenario instantly — monthly extra, lump sum, and the best month to apply it for maximum savings.
Compare two loans like a pro before you sign.
Different banks, different rates, flat vs reducing — the Compare tab shows you the true cost of each option, including effective APR.
Your bank earns more from your loan than you realize.
Most borrowers never see the full picture. EMI Planner shows you exactly how much goes to the bank — and gives you the power to fight back.
Know the exact month you'll be free.
Not just an EMI number — a date. EMI Planner calculates your personal Freedom Date and shows how every extra payment brings it closer.
In month one, almost nothing reduces your loan.
This is the hidden truth of reducing balance loans. The Schedule tab shows you the exact split — month by month — so you can plan smarter.
A single extra payment today can save lakhs.
EMI Planner simulates any prepayment scenario instantly — monthly extra, lump sum, and the best month to apply it for maximum savings.
Compare two loans like a pro before you sign.
Different banks, different rates, flat vs reducing — the Compare tab shows you the true cost of each option, including effective APR.
All of this, free. On your phone.
From the Vamaha studio
We build one honest tool at a time. Here's the first one — live, free, and on your phone.
EMI Planner
Smart Loan Calculator
Know your EMI, plan prepayments, compare loans side by side, and find your exact debt-free date. Built for Indian borrowers.
One tool at a time
EMI Planner is the first app from Vamaha — not the last. We build slowly and deliberately, and we only put an app in front of you once it's genuinely good.
More tools are on the way, built the same way: calm, offline, ad-free, and made for everyday India. You'll see them here the day they're ready.
Built from real frustration
Every app Vamaha ships started as a problem we couldn't find a good solution for. So we built one — cleanly, thoughtfully, with no ads and no nonsense.
Why we started
It started with a home loan. Sitting with a bank representative, we realised we had no idea how much of our EMI was actually reducing the loan versus going to the bank as interest. Every calculator online was either ugly, cluttered with ads, or gave wrong answers. We went home and built EMI Planner that weekend.
What we believe
Good software should feel effortless. It should work offline, respect your privacy, and never trick you with dark patterns. We are a small team — so every feature we ship has to earn its place. No bloat, no subscriptions for basic features, no selling your data. Ever.
They made better decisions
Real people, real outcomes. Not "great app" — actual moments where the numbers changed something.
I was about to sign a car loan at "10% flat". EMI Planner showed me that was actually 18.7% effective APR. I walked straight out of that showroom.
My bank said prepaying wouldn't help much. EMI Planner showed me ₹3.8 lakh in savings and 3 years off my loan. I prepaid the next day. The bank was wrong.
No login, no ads begging for money, works offline on my flights. It just does the math and gets out of my way. Rare these days.
I was about to sign a car loan at "10% flat". EMI Planner showed me that was actually 18.7% effective APR. I walked straight out of that showroom.
My bank said prepaying wouldn't help much. EMI Planner showed me ₹3.8 lakh in savings and 3 years off my loan. I prepaid the next day. The bank was wrong.
No login, no ads begging for money, works offline on my flights. It just does the math and gets out of my way. Rare these days.
The Freedom Date feature hit different. Seeing "Jun 2044" on my home loan made it real. Then I made one prepayment and watched it jump to "Mar 2040". That feeling is addictive.
I always thought a longer tenure was the "safe" choice. The total-interest number for 20 vs 15 years made me physically wince. Switched to 15.
I compared two home loan offers side by side. The "cheaper" EMI was actually ₹2.1 lakh more expensive over the tenure. Numbers do not lie.
The Freedom Date feature hit different. Seeing "Jun 2044" on my home loan made it real. Then I made one prepayment and watched it jump to "Mar 2040". That feeling is addictive.
I always thought a longer tenure was the "safe" choice. The total-interest number for 20 vs 15 years made me physically wince. Switched to 15.
I compared two home loan offers side by side. The "cheaper" EMI was actually ₹2.1 lakh more expensive over the tenure. Numbers do not lie.
* Names changed for privacy. Stories are representative of real user experiences.
Questions, answered
The honest answers — no asterisks.
Yes — completely free. No ads, no subscriptions, no paywalled features, and no account to create. You just install it and use it.
Tell us what you need
Every feature in our apps started as someone's request. Your message goes directly to the developer.