Loan Analyser - Free EMI Calculator & Pre-Payment Planner

Loan Analyser is a free online tool to calculate your EMI, plan pre-payments, and discover how much interest you can save on your home loan, personal loan, or car loan. Built for Indian borrowers.

Features

• EMI Calculator - Enter principal, interest rate, and tenure to get monthly EMI
• Pre-Payment Planner - Add lump sum payments and see interest savings instantly
• Amortization Schedule - Month-by-month breakdown of principal and interest
• What-If Simulator - Plan future pre-payments and compare scenarios
• Rate Change Tracker - Track bank rate revisions and see updated schedules
• Smart Recommendations - AI-powered strategies to minimise your loan cost
• Visual Charts - Balance curves, payment breakup, cumulative interest graphs

How to use

Enter your loan details including principal amount, annual interest rate, monthly EMI, and start date. Add any pre-payments you have made or plan to make. The tool instantly calculates your revised amortization schedule, interest saved, months reduced, and new closure date.

Frequently Asked Questions

How much can I save with pre-payments?

Even small pre-payments can save lakhs in interest over the loan tenure. Use our calculator to see the exact savings for your loan.

Does this work for home loans, car loans, and personal loans?

Yes. Loan Analyser works for any reducing balance EMI-based loan including home loans, car loans, personal loans, and education loans.

Is this tool free?

Yes, Loan Analyser is completely free to use with no sign-up required.