IMPORTANT DISCLAIMER
Credgy is a loan tracking, loan management and simulation platform. Credgy does not provide loans, credit cards, credit lines or financial advice. Credgy is not an NBFC, bank or lending institution. Loan calculations and projections are estimates and may vary based on lender policies.

Take control of your loans and achieve financial freedom with Credgy – the smart Loan EMI Calculator, Loan Tracker and Prepayment Planner designed to help you manage Home Loans, Personal Loans, Car Loans, Education Loans and Business Loans in one secure place.

Whether you're buying your dream home, financing a car, paying for education or managing multiple loans, Credgy helps you track balances, calculate EMIs, explore prepayment options and discover smarter repayment strategies that can save lakhs in interest.

Why Choose Credgy?

Managing loans can be stressful and confusing. Credgy simplifies your financial journey by helping you:

✔ Track all your loans in one dashboard
✔ Comprehensive Loan Health Score
✔ Calculate Loan EMI instantly
✔ Plan loan prepayments and estimate interest savings
✔ Compare multiple repayment strategies
✔ View complete amortization schedules
✔ Monitor outstanding balances and interest paid
✔ Understand the impact of EMI, tenure and interest rate changes
✔ Make smarter financial decisions with confidence

Smart Loan EMI Calculator
Use Credgy as your everyday Loan EMI Calculator.

Calculate EMIs for:
• Home Loan EMI Calculator
• Personal Loan EMI Calculator
• Car Loan EMI Calculator
• Education Loan EMI Calculator
• Business Loan EMI Calculator

Simply enter:
• Loan Amount
• Interest Rate
• Loan Tenure

Instantly view:
• Monthly EMI
• Total Interest Payable
• Total Repayment Amount
• Complete repayment schedule

Loan Prepayment Planner

Thinking about making an extra payment?

Credgy's Loan Prepayment Calculator helps you discover:

• How much interest you can save
• How much sooner you can become debt-free
• The impact of lump-sum prepayments
• Benefits of recurring extra payments
• Faster ways to close your Home Loan or Personal Loan

See your savings instantly before making financial decisions.

Explore What-If Scenarios

Life changes and so do your finances.

Use Credgy's powerful loan simulator to explore:

• What if I increase my EMI?
• What if I reduce my EMI?
• What if I make a lump-sum prepayment?
• What if interest rates change?
• Which repayment strategy saves the most money?

Compare different scenarios side-by-side and choose the best plan for your financial goals.

Detailed Loan Repayment Schedule

Understand your loan in detail with a complete amortization schedule.

View:

• EMI breakup
• Principal paid
• Interest paid
• Remaining outstanding balance
• Total interest saved after prepayments

Track your progress month-by-month and year-by-year.

Beautiful Financial Insights

Visualize your loans with easy-to-understand charts and reports.

Discover:

• Principal vs Interest breakdown
• Outstanding balance trends
• Loan payoff projections
• Interest saving opportunities
• Overall repayment progress

Secure Multi Loan Management

Manage multiple loans effortlessly.

Track:

• Home Loans
• Personal Loans
• Car Loans
• Education Loans
• Business Loans
• Custom Loans

Keep everything organized in one secure place.

AI Powered Loan Insights (Coming Soon)

Soon you'll be able to ask:

• Which loan should I close first?
• Should I reduce EMI or tenure?
• How much interest can I save with prepayment?
• Is a balance transfer worth it?
• How can I become debt-free faster?

Get personalized insights based on your own loans and financial goals.

Simple, Fast & Secure

✓ Modern and easy-to-use interface
✓ Secure OTP based authentication
✓ Fast and accurate calculations
✓ No complicated financial jargon
✓ No intrusive advertisements
✓ Privacy-first approach

Download Credgy today and discover better ways to track loans, calculate EMI, plan prepayments and save lakhs in interest.

Credgy: Loan & EMI Planner