EMI Workbench

EMI Workbenchoffline

Work out

The loan

Instalment falls

Payment schedule

The property and the loan

Prepayments

Extra money paid into the loan. The EMI stays put and the tenure shrinks — the way Indian banks handle it unless you ask for a fresh sanction.

Payment schedule

The purchase

Instalment schedule

Saved scenarios

Side by side

Green marks the better number in each row.

Monthly EMI

—

Amount

0

Currency

Changes the symbol, the digit grouping and the quick-add buttons. Amounts are not converted.

Schedule grouped by

Appearance

Install on this phone

Adds it to your home screen and runs without a connection.

Interest is calculated monthly on the reducing balance at rate ÷ 12, the Indian retail-loan convention. Schedules are computed in whole paise, so the columns add up exactly. Nothing you type leaves this phone — there is no server, no account and no analytics. Privacy

Save this scenario

Kept on this phone so you can put it next to another one later.

Scenario name