After calculating a loan, you can simulate various scenarios to see how they impact your repayment. You can add one-time part payments (prepayments), model changes in your interest rate, or see what happens if you decide to increase your monthly EMI. The results will show you exactly how much interest you can save and by how many months your loan tenure will be reduced.

The main page is a powerful tool. Enter your loan amount, interest rate, and tenure to get an instant calculation of your Equated Monthly Installment (EMI). The tool will generate a full, year-by-year amortization schedule showing how your payments are split between principal and interest over the entire loan period.

The Portfolio page provides a high-level dashboard of all your saved loan scenarios. It calculates your total outstanding balance and combined monthly payments, giving you a complete picture of your liabilities. Each saved loan is displayed on its own card with key metrics and progress bars.

The Compare Loans tool allows you to evaluate multiple loan offers side-by-side. Enter a common loan amount and then provide the interest rate and tenure for several different offers. The tool will calculate the EMI and total cost for each, highlighting which loan is the best deal in terms of the lowest monthly payment and the lowest overall cost.

Your privacy is a priority. For guest users, all loan scenarios are saved securely and privately in your own browser—we never see this data. If you choose to sign in, your scenarios are saved to the cloud, allowing you to access them from any device. You always have full control, with options to import and export your data in JSON format.