EMI Planner - Loan & Invest

Most EMI apps show you a number. EMI Planner shows you the truth: how much
interest the bank really earns, the exact date you'll be debt-free, and what
your savings are actually worth after tax and inflation.

No ads. No sign-up. Fully offline — nothing ever leaves your phone.

── WHY PEOPLE TRUST IT ──
- Your TRUE cost, not just the EMI — total interest, APR with fees, and your
"Freedom Date."
- Your REAL growth, not just maturity value — returns after tax and inflation.
- Built on RBI rules (2024–2026): prepayment and penal-charge clarity.
Educational, never a sales pitch.
- No ads. No tracking. No account. 100% on-device.

── BORROW · plan the loan ──
- Reducing-balance & flat-rate EMI — Home, Car, Personal & Education
- Year and month-wise amortization
- Loan eligibility (RBI FOIR) — how much you can borrow
- Already paying? Enter the start date for accurate current-balance math
- Down payment / LTV helper for home & car loans

── PAY LESS · beat the bank ──
- Prepayment: Tenure-Reduce vs EMI-Reduce, side by side, best one marked
- Lump-sum timing — how much more you save by paying earlier
- Tenure-extension trap detector — the hidden cost when a bank stretches you
- Insurance-bundling check — strip a financed premium to reveal the real APR
- Pre-EMI vs Full EMI for under-construction homes

── COMPARE & DECIDE ──
- Loan A vs Loan B
- Should I refinance? — break-even after closing costs
- True cost / hidden charges (APR)
- Rate-change impact (±%)
- Prepay vs Invest — pay the loan down or invest the spare?

── GROW · plan the money ──
- SIP & power of compounding (monthly or lump sum, optional step-up)
- Goal Planner (inflation-adjusted), Retirement Number, Asset Allocation
- Growth chart — invested vs gains, year by year

── REALITY CHECK · the honest numbers ──
- Real Return — worth after tax + inflation
- Cost of Delay — what waiting a year really costs
- SIP vs Lumpsum
- FD & RD maturity PLUS real return after tax & inflation
- SWP — does your corpus last, and exactly when it runs out

── TAX & PLANNING ──
- Home-loan tax benefits (Sec 24b + 80C)
- Old vs New regime comparison (FY 2025-26)
- Export a clean PDF of your schedule

── STAY ON TRACK ──
- Monthly EMI reminders (local — no server)
- Save plans and reload anytime
- Shareable EMI summary card

── MADE FOR INDIA ──
- ₹ lakh/crore format + international format
- English & Telugu · Dark mode

EMI Planner is an educational calculator — not a lender or financial advisor.
We never sell loans, never show ads, never share your data. Always confirm
final figures with your bank's Key Fact Statement.

An app by Vamaha.