Verdiq No account · No ads · Works offline
Calm software for
everyday India.
No ads. No tracking. Works offline.
We build one honest tool at a time — and our first one already helps people save lakhs. Meet EMI Planner.
Free · No account · No ads · Works offline
EMI Plannerlive demoYour Freedom Date
Aug 2046
Monthly EMI
₹43,391
Total interest
₹54.1L
Drag a slider. The full app shows the month-by-month split, prepayments, and more.
What EMI Planner has done so far
Figures based on internal usage analytics and projected outcomes.
Inside EMI Planner
The smartest loan calculator for Indian borrowers. Scroll to see what makes it different.
Your bank earns more from your loan than you realize.
Most borrowers never see the full picture. EMI Planner shows you exactly how much goes to the bank — and gives you the power to fight back.
Know the exact month you'll be free.
Not just an EMI number — a date. EMI Planner calculates your personal Freedom Date and shows how every extra payment brings it closer.
In month one, almost nothing reduces your loan.
This is the hidden truth of reducing balance loans. The Schedule tab shows you the exact split — month by month — so you can plan smarter.
A single extra payment today can save lakhs.
EMI Planner simulates any prepayment scenario instantly — monthly extra, lump sum, and the best month to apply it for maximum savings.
Compare two loans like a pro before you sign.
Different banks, different rates, flat vs reducing — the Compare tab shows you the true cost of each option, including effective APR.
EMI PlannerWhere your ₹50L goes
Total payable: ₹97L
EMI PlannerYour Freedom Date
JUN 2044
18% of loan paid off
EMI PlannerMonth 1 EMI split
By month 240, that flips.
EMI PlannerOne prepayment, four years back
EMI PlannerBank A vs Bank B
Bank A
8.5%
₹92L total
Best dealBank B
8.9%
₹97L total
Your bank earns more from your loan than you realize.
Most borrowers never see the full picture. EMI Planner shows you exactly how much goes to the bank — and gives you the power to fight back.
Know the exact month you'll be free.
Not just an EMI number — a date. EMI Planner calculates your personal Freedom Date and shows how every extra payment brings it closer.
In month one, almost nothing reduces your loan.
This is the hidden truth of reducing balance loans. The Schedule tab shows you the exact split — month by month — so you can plan smarter.
A single extra payment today can save lakhs.
EMI Planner simulates any prepayment scenario instantly — monthly extra, lump sum, and the best month to apply it for maximum savings.
Compare two loans like a pro before you sign.
Different banks, different rates, flat vs reducing — the Compare tab shows you the true cost of each option, including effective APR.
All of this, free. On your phone.
What real users are saying
“Outstanding, essential tool for managing finances!”
Lakshmi
Verified Google Play review
“It made my day... Helped to plan my EMI with customized features.... Highly recommended”
Amaresh Chowdary
Verified Google Play review
“Very good features and UI experience, multiple features at one place.”
Makineni Saradhi
Verified Google Play review
“Excellent and full-fledged.”
Sivaprasad Gude
Verified Google Play review
“Perfect app for EMI calculation.”
Ayan Bose
Verified Google Play review
“Great to get EMI information.”
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.
Questions, answered
The honest answers — no asterisks.
Yes — completely free. No ads, no subscriptions, no paywalled features, and no account to create. You just install it and use it.