Verdiq 
ScanDukaan Home Dashboard
See your Freedom Date the moment you enter a loan
Get EMI Planner — free
No account · No ads · Works offline
Built by a small team in India
See what banks
do not explain clearly.
No ads. Works offline. Your loan data stays on your phone.
We built EMI Planner because many borrowers do not get the full picture from bank conversations. Agents are busy, key details get skipped, and people do not always have time to decode the math. The app gives quick, clear insight before you sign.
Free · No account · No ads · Offline-first
5.0★
on Google Play
18
states across India
100%
runs on device
EMI Plannerlive demoYour Freedom Date
Oct 2046
Monthly EMI
₹43,391
Total interest
₹54.1L
Loan amount₹50.0L
Interest rate8.5%
Tenure20 yrs
Drag a slider. The full app shows the month-by-month split, prepayments, and more.
📈 The receipts
What EMI Planner has done so far
—
Estimated interest avoided
when users planned prepayments earlier
—
Average rating
from real Google Play reviews
—
States with active users
across major regions in India
—
Runs on your phone
loan inputs stay on device and are not uploaded
Figures based on internal usage analytics and projected outcomes.
★ Inside the app
Inside EMI Planner
Built to make loan math transparent when bank paperwork and conversations leave gaps. Scroll to see how each part works.
01 · The problem1 / 6
₹41.28L
in interest on a ₹50L home loan — 45% of every rupee you pay
Most loan conversations hide the real cost.
Many borrowers are only told the EMI, not the full interest burden. EMI Planner shows the total cost in plain numbers before you commit.
02 · Your Freedom Date2 / 6
Aug 2041
your calculated Freedom Date
Know the exact month you'll be free.
Instead of vague timelines, you get a clear debt-free month. Add a prepayment and instantly see how much earlier you can close the loan.
03 · Month one, unmasked3 / 6
74%
of your first EMI goes straight to interest
In month one, almost nothing reduces your loan.
This is the part many people are never told clearly. EMI Planner breaks down the first payment so you can see principal vs interest before signing papers.
04 · Prepayment power4 / 6
₹2.72L
in interest saved with one ₹1L prepayment
A single extra payment today can save lakhs.
When you are short on time, this gives fast clarity. Try a prepayment amount and see in seconds whether prepaying helps more than investing in that scenario.
05 · Grow while you repay5 / 6
₹90,412
gained on a ₹5,000 monthly SIP over 5 years — while you're still paying EMIs
Debt isn't the whole story. Growth is too.
EMI Planner's Invest & Grow tool tracks SIP, lumpsum, and step-up investing side by side — so you build wealth on the same calendar you're paying down debt.
06 · Choosing wisely6 / 6
₹16.7L
saved by choosing the right loan
Compare two loans like a pro before you sign.
Different banks present offers differently. Compare tab puts both loans on one screen and shows the true cost side by side, down to the last rupee.
01 · The problem· 1/6
₹41.28L
in interest on a ₹50L home loan — 45% of every rupee you pay
Most loan conversations hide the real cost.
Many borrowers are only told the EMI, not the full interest burden. EMI Planner shows the total cost in plain numbers before you commit.
02 · Your Freedom Date· 2/6
Aug 2041
your calculated Freedom Date
Know the exact month you'll be free.
Instead of vague timelines, you get a clear debt-free month. Add a prepayment and instantly see how much earlier you can close the loan.
03 · Month one, unmasked· 3/6
74%
of your first EMI goes straight to interest
In month one, almost nothing reduces your loan.
This is the part many people are never told clearly. EMI Planner breaks down the first payment so you can see principal vs interest before signing papers.
04 · Prepayment power· 4/6
₹2.72L
in interest saved with one ₹1L prepayment
A single extra payment today can save lakhs.
When you are short on time, this gives fast clarity. Try a prepayment amount and see in seconds whether prepaying helps more than investing in that scenario.
05 · Grow while you repay· 5/6
₹90,412
gained on a ₹5,000 monthly SIP over 5 years — while you're still paying EMIs
Debt isn't the whole story. Growth is too.
EMI Planner's Invest & Grow tool tracks SIP, lumpsum, and step-up investing side by side — so you build wealth on the same calendar you're paying down debt.
06 · Choosing wisely· 6/6
₹16.7L
saved by choosing the right loan
Compare two loans like a pro before you sign.
Different banks present offers differently. Compare tab puts both loans on one screen and shows the true cost side by side, down to the last rupee.
Everything above is in the app, free to use, right on your phone.
💬 From our users
What real users are saying
5.0· 9 reviews on Google Play
“Simple, accurate, and genuinely useful for planning loans.”
Lakshmi
Verified Google Play review
“It made my day. The custom options helped me plan my EMI properly.”
Amaresh Chowdary
Verified Google Play review
“Clean UI, and all the loan tools I needed were in one place.”
Makineni Saradhi
Verified Google Play review
“Feature-rich app, but still easy to understand.”
Sivaprasad Gude
Verified Google Play review
“Exactly what I needed for EMI calculations before taking a loan.”
Ayan Bose
Verified Google Play review
“Gives EMI details clearly without confusing screens.”
Pavani T
Verified Google Play review
“Helpful loan comparison and prepayment features.”
Pushpa Keerthi
Verified Google Play review
“Easy to use.”
Amma K
Verified Google Play review
Real reviews from the EMI Planner listing on Google Play, lightly formatted for display.
◈ The full toolkit
23 tools. One free app.
EMI Planner goes beyond one EMI number. It helps with full loan planning, comparisons, prepayments, and long-term money planning. The examples below are from real app screens.
Loan tools
True Cost Lens
14% quoted becomes 15.41% true APR once fees are in
Rate Impact
A +1% rate rise adds ₹3,017 to your EMI, instantly
Advanced Options
Borrow up to ₹13.8L based on your income (RBI FOIR)
Compare A vs B
Loan A saves ₹16.7L in total interest over Loan B
MaxGain Scenario
Park surplus, stay liquid, still save on interest
Amortization Schedule
Every month, broken down: ₹23,213 principal vs ₹37,500 interest in month one
Tax Benefits
₹70,000 saved via Sec 24(b) + 80C in year one — old vs new regime compared
PDF Export
Export your full amortization schedule as a PDF, anytime
Loan Tracking
Save and track multiple loans side by side, all on your phone
Loan Health Score
A single score for how your rate, tenure, and prepayment pace stack up
Payment Log
Mark each EMI paid and build a real record of what you actually paid, when
CSV Export
Export your schedule as CSV to open in Excel or Google Sheets
Investment & wealth tools
Prepay vs Invest
Prepaying beats investing by ₹1.14L in this scenario
Goal Planner
₹20,234/mo needed to reach ₹5.51L in 2 years
Net Worth View
Track assets vs debt together, private and on-device
Invest & Grow
1.30× your money — SIP, lumpsum, step-up in one place
SIP vs Lumpsum
Same money, different path — lumpsum wins by ₹3.71L here
SWP Planner
₹25L corpus that never runs out at ₹10,000/mo withdrawal
Retirement Planner
You'll need ₹1.52Cr — invest ₹8,002/mo from today
Real Return
12% nominal return is really 3.24% after tax & inflation
RD Planner
₹5,000/month becomes ₹3.55L in 5 years
Fixed Deposit
Your 6.5% FD is really -1.37% after tax & inflation
❓ Good to know
Questions, answered
The honest answers — no asterisks.
Because many loan conversations share only partial information. Important details like total interest, fee impact, and early-month interest burden are often not explained clearly. EMI Planner gives that clarity in a few taps, so you can make a better decision even when you are short on time.