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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.
Smart EMI Calculator
Calculate your loan EMI with prepayments and interest rate changes. Get detailed amortization schedule and optimize your loan repayment strategy.
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 prepayments or recurring annual prepayments. All prepayments reduce the principal, shortening the loan tenure and saving interest.
Add any extra payments you plan to make. One-time prepayments or recurring annual prepayments. All prepayments reduce the principal, shortening the loan tenure and saving interest.
EMI Calculation Summary
Monthly EMI
The first EMI calculated based on your initial loan terms. Note: This may change if the interest rate is updated.
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Total Interest
The total interest paid over the loan's lifetime, including all changes.
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Total Payable
The total amount you will have paid (Principal + Interest).
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New Tenure
The revised loan duration after accounting for your prepayments and rate changes.
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Savings Breakdown
Total Prepayments Made
The total amount of prepayments you will make over the loan duration.
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Gross Savings
The grossamount saved from the intial plan due to your prepayments.
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Net Savings (Prepayments)
The net benefit from prepayments: Interest saved minus the prepayment amounts. This can be negative if prepayments exceed interest saved.
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Interest Saved (Rate Changes)
The full interest amount saved due to favorable interest rate changes.
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