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Explore Free Financial tools by Finance Manager
Professional-grade financial calculators to plan loans and investments with clarity— EMI (with Prepayments), SIP (with step-ups), SIP comparison, lumpsum, and retirement planning tools. Completely free, always accessible.
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EMI Calculator
Calculate monthly payments, total interest, and see prepayment or rate‑change impact.
Advanced EMI Planner
Adjust inputs with sliders for immediate feedback on your loan EMI, prepayment savings, and amortization schedule.
EMI Calculation Summary
The fixed monthly payment due to the lender.
Monthly EMI
₹0
The total interest paid over the loan's lifetime, including all changes.
Total Interest
₹0
The total amount paid (Principal + Interest).
Total Payable
₹0
The revised loan duration after accounting for prepayments.
New Tenure
0 Yrs 0 Mos
Savings Breakdown (with Prepayments)
The total amount of extra principal you plan to pay.
Total Prepayments
₹0
The total interest saved from the original loan schedule due to prepayments.
Interest Saved (Gross)
₹0
The net financial benefit (Interest Saved - Prepayments Made).
Net Prepayment Savings
₹0
Interest saved/added due to floating rate changes.
Rate Change Impact
₹0
Interest Rate ChangesModel future changes in your interest rate. The EMI will be recalculated from the month of change.
Model future changes in your interest rate. The EMI will be recalculated from the month of change.
PrepaymentsAdd any extra payments you plan to make. One-time or recurring annual prepayments.
Add any extra payments you plan to make. One-time or recurring annual prepayments.