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SmartLoan EMI Calculator

Handles multiple disbursements, floating interest rates & prepayments
v1.0
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Loan Parameters

%
⚡ Full EMI Override (optional — use when bank EMI doesn't match tool)
If you know the exact date your bank switched to full EMI, the outstanding principal on that date (from your bank statement), and the EMI the bank set — enter them here. The tool will use these exact figures and ignore the pre-EMI construction phase calculation.
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Disbursements

0
No disbursements added yet
Add Disbursement
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Interest Rate Changes

0
No rate changes added
Add Rate Change
%
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Prepayments

0
No prepayments added
Add Prepayment
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Tenure Changes

0
Override the remaining loan tenure at any point — useful when RBI changes repo rate or you want to extend/reduce repayment period.
No tenure changes added
Add Tenure Change
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Import / Export Config

Monthly EMI
Initial
Total Disbursed
Principal
Total Interest
Payable
Total Prepayment
Interest Saved: —
Total Amount
EMI + Prepayment + Interest
Actual Tenure
Completion