Calcwise: EMI Loan Calculator

Calcwise puts your everyday money maths in one app: loan EMI, mortgage, car loan, SIP, fixed deposit, savings, retirement and more. Every calculator opens with an example filled in, and the results update as you type. No Calculate button, no account, no ads.

LOANS
- Loan / EMI: monthly EMI, total interest and total payable, with an optional processing fee. Solve for the EMI, the loan amount, the rate or the tenure.
- Mortgage: principal and interest, plus the costs you add yourself: property tax, home insurance, PMI and HOA.
- Car loan: price, down payment and trade-in value.
- Compare loans: two or three loans side by side, and which one costs less.
- Prepayment: a one-time or regular extra payment. Choose to reduce the tenure or the EMI and see the interest saved.
- Rate change, refinance (break-even month), affordability, debt payoff (highest rate or smallest balance first) and credit card payoff.

SAVINGS AND INVESTING
- Monthly investment (SIP) with an optional yearly step-up, lump sum and withdrawal plan (SWP).
- Fixed deposit / CD, recurring deposit, compound interest and simple interest.
- Savings goal, retirement, inflation and ROI / CAGR.

EVERYDAY
- Percent, discount and tip, with the bill split between people.
- Salary / hourly: hourly, daily, weekly, monthly and yearly pay (before tax).

COUNTRY SCHEMES
Pick your country in Settings to add its savings and retirement schemes. Official rates and limits are filled in with an "as of" date, and you can change every one of them.
- India: PPF, EPF, NPS, Sukanya Samriddhi, NSC, KVP, Senior Citizens Savings Scheme, Post Office Monthly Income and gratuity.
- United States: 401(k), IRA, HSA, 529 plan and Social Security claiming age.
- United Kingdom: ISA, Lifetime ISA and workplace pension.
- Canada: TFSA, RRSP and RESP.
- Australia: superannuation.

SEE THE WHOLE PICTURE
- A summary card with the main answer, the key totals and a chart.
- A full payment schedule, monthly or yearly, that you can search by payment number or year.
- Share a PDF with the schedule, an image of the summary, or copy the result as text.
- A short explanation under every result: what the numbers mean and how they are worked out.

MADE FOR YOU
- Your currency and number style, including Indian grouping (10,00,000) or 1,000,000.
- Each calculator remembers what you last typed, on this device.
- Pin your favourite calculators to the top and search the whole list.
- Works without an internet connection.
- Light and dark mode.
- On iPad: a sidebar of calculators, and the form and results side by side.

Results are estimates. Your lender's or provider's figures may differ. Calcwise does not calculate tax.