EMI Planner 
Verdiq Why we built EMI Planner
It started with a home loan meeting where we felt lost. We left that meeting and built the calculator we wanted at the time.
I was sitting across from a bank relationship manager, trying to understand my home loan offer. He had a spreadsheet open. I was nodding and not understanding nearly enough.
I had no idea what was happening.
I knew the EMI number. I didn't know how much of it was going to the bank versus reducing my loan. I didn't know that in the first year, nearly 90% goes to interest. I didn't know that one prepayment of ₹2 lakhs at the right time could save me more than ₹8 lakhs over the tenure. The bank certainly wasn't going to spell it out.
I left that meeting, opened my laptop, and started building. That weekend became EMI Planner.
What we wanted
A calculator that shows the full picture — not just the EMI, but when you'll own your home, what the bank earns, and what you can do next. Clean, offline, no ads, and honest about the math.
That is what EMI Planner is. And that is the standard we try to keep across Vamaha.